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Portfolio Management Analyst, Milwaukee more...
Location:Milwaukee, WI
Company:Associated Bank
First posted:May 16, 2017

Equal Opportunity Employer
Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email: or call: (800) 878-3282.


Under limited direction, evaluate and decision monthly portfolio Probability of Default (PD) reviews in accordance with established underwriting policy and guidelines. Analyze tax returns, financial statements, credit reports and legal documents as they pertain to specific portfolio management events. Calculate the necessary ratios to assist in the decision process. Present findings in monthly and quarterly business line meetings. Responsible to act as a resource for Centralized Commercial loan related portfolio questions from internal and external customers. This position will be located in a centralized environment and will answer telephone calls and email inquires related to all Commercial portfolio management and portfolio servicing activities. Responsibilities include: Monitoring delinquent reporting requirements (covenants, borrowing bases and financial statements), underwrite and process all ACH & Remote Deposit Capture (RDC) applications, manage the monthly PD Review process as well as the quarterly Criticized Classified Loan Report (CCLR) and Post-Mortem process, organize and lead business line portfolio related meetings. This position requires knowledge of portfolio management activities and a credit analysis background.

As a valued colleague of Associated Bank you play a critical role in delivering an exceptional customer experience during every interaction. Expectations for this position require the ongoing focus on building solid and long lasting relationships by engaging all customers in a positive manner. Colleagues should provide customers a positive experience that includes undivided attention, straightforward and knowledgeable service and insure that the customers best interests are our number one priority. Consistency around customer experience guidelines is key and expected from all of our colleagues. Our goal is to simplify the customer experience and deliver outstanding service to every customer, every time.

Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering requirements. Responsible to report any procedure or process that doesnt meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be done directly to any member of management, including Human Resources or Corporate Security, or can be reported through Associateds anonymous Ethics Hotline.

Asset Quality
Change Management
Credit approval
Credit underwriting
Customer Service
Decision Making
Delivering Service Consistent with Brand, Vision and Talent Philosophy
Documentation of processes and procedures
Due diligence
Financial Analysis
Financial and Business Acumen
Internal Consulting/Facilitation
Logical Thinking
Negotiation and Influence
Portfolio Management
Process Management
Problem Solving
Regulation and Compliance
Risk Management
Strategic Planning
Time Management
Maintain productivity and response times as measured by the SLAs
Results Driven


Review and decision monthly model scored PD ratings, performing credit analysis as needed. Use discretionary decision judgment to recommend upgrades and model concurrence according to established policy, guidelines and government regulations. Ensure proper documentation and sign off is made for PD upgrade and downgrade approvals. Present findings and trends on a monthly and quarterly basis to line of business stakeholders.

Monitor the CSS Centralized portfolio for major PD rating changes and provide monthly reporting evaluating changes. Analyze loan portfolio management reports essential to follow up on delinquent reporting and identify trends in the PD migrations. Review impact of credit quality changes to PD ratings including both upgrades and downgrades. Actively manage Borrowing Base, Covenant, Financial Statement Tracking and Portfolio Delinquency Reports to ensure loans are within bank policy.
Manage the CCLR, PD, post mortem reviews and ad hoc portfolio management tasks for the Commercial Support Services (CSS) Centralized portfolio. Lead monthly and quarterly CCLR/PD Review and Post Mortem Review meetings, presenting borrower updates and review outcomes to line of business stakeholders. Request updated financial information from existing Commercial loan customers as needed for ongoing portfolio management monitoring. Respond to inquiries from existing loan customers regarding loan and any monitoring activities. Monitor and resolve Delinquent Corporate Registration Information System (CRIS) and expired UCC issues.
Oversee the portfolio PD scoring process and related procedures and policies. Ensures SOP and related procedures reflect current and actual processes. Manage the change process, if necessary, to ensure processes are within SOP, operational or compliance standards.
Responsible for overseeing portfolio and individual account migrations as well as review of weekly Officer Code Change Report to validate all officer code changes into or out of CSS portfolio.
Process and approve all CSS portfolio ACH, RDC/Onsite Deposit Manager (ODM) requests and annual reviews.
Maintain up to date knowledge of current underwriting policies, guidelines and compliance issues using available resources, including all lending related Federal and State regulations.
Respond promptly to colleague and customer inquiries received daily regarding all aspects of Centralized Portfolio Management. Demonstrate proficient knowledge in all Commercial loan products and processes to deliver exceptional customer service.
Develop and maintain an excellent working relationship with customers and associates alike. Maintain positive attitude within the department by practicing team concepts to achieve common objectives an service standards.

Bachelor's Degree Business, Finance, Accounting or related field or equivalent related experience Required

Master's Degree or equivalent combination of education and experience Business, Finance, Accounting or related field Preferred

2-4 years Credit administration, portfolio management, underwriting or related banking experience. Required

4-7 years Credit administration, portfolio management, underwriting or related banking experience. Preferred

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