2025-10-09
Customers Bank
Other
/yr
employee
contract
Malvern
Pennsylvania
19355
United States
Malvern, PA | Remote Maryland | Malvern, PA | Malvern, PA
Full time | Full time | Full time
REQ-2025-736
At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.
Who is Customers Bank?
Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with.
We get you further, faster.
Focused on you: We provide every customer with a single point of contact. A dedicated team member who’s committed to meeting your needs today and tomorrow.
On the leading edge: We’re innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead.
Proven reliability: We always ground our innovation in our deep experience and strong financial foundation, so we’re a partner you can trust.
What you’ll do:
Reporting to the Chief Credit Officer- CCF, this position combines portfolio management responsibilities along with occasional front-line transaction underwriting for CCF's commercial lending portfolio. This role is designed for a seasoned professional who thrives on variety and can seamlessly transition between portfolio-wide analysis and transaction-level credit evaluation. The position serves as a bridge between our credit underwriting team and portfolio management functions, ensuring consistent risk standards while supporting CCF’s business growth objectives.
This hybrid role requires a strategic thinker who can balance detailed transaction analysis with big-picture portfolio oversight. The candidate will work independently on commercial loan and lease transactions while also implementing portfolio-wide risk management strategies. This position offers significant variety and intellectual challenge, making it ideal for a professional who seeks diverse responsibilities and continuous learning opportunities.
Portfolio Risk Management
Portfolio Monitoring & Analysis: Monitor and help analyze portfolio composition, concentration limits, and risk trends across CCF's $1B+ commercial lending portfolio
Risk Rating Oversight: In concert with the Chief Credit Officer-CCF, serve as subject matter expert on risk rating methodology, ensuring consistent application and leading periodic calibration exercises
Watch List Management: In concert with the Chief Credit Officer-CCF, lead watch list processes, including early identification of deteriorating credits and coordination with Special Assets Group as necessary
Regulatory Compliance: Serve as primary liaison with regulators during portfolio examinations and ensure adherence to regulatory guidance
Concentration Management: Monitor and report on concentration limits by industry, geography, and individual obligors, advising management on portfolio diversification strategies
Portfolio Reporting: Produce comprehensive portfolio analysis reports for senior management and board presentations as requested
Portfolio Surveillance & Covenant Management
Annual Review Coordination: Lead and underwrite annual reviews across the portfolio, ensuring consistent quality and timely completion while maintaining direct customer relationships where appropriate
Covenant Tracking Leadership: Lead management of systematic covenant tracking processes, working closely with Credit Administration and Financial Operations to establish proper monitoring protocols
Activity Tracking & Reporting: Oversee comprehensive activity tracking systems for all portfolio monitoring requirements, ensuring timely identification of exceptions and covenant violations
Early Warning Systems: Work on helping to develop early warning indicators and surveillance reporting to proactively identify potential credit issues
Complex Transaction Underwriting
Large/Complex Deal Underwriting: Serve as underwriter for transactions requiring specialized expertise
Industry Specialization: Develop expertise in specific industry verticals and serve as a go-to underwriter for those sectors
Credit Structure Innovation: Work with relationship managers to develop credit structures for unique situations while maintaining sound risk principles
Due Diligence Leadership: Lead complex due diligence efforts including site visits, management interviews, and third-party report coordination as required
Strategic Initiatives & Special Projects
Policy Development: In concert with the Chief Credit Officer-CCF, ensure adherence to credit policy, underwriting standards, and portfolio management procedures, bringing audit and examination perspective to future policy creation efforts
SOX Compliance: Assist with SOX-related activities and policy development, particularly around credit risk management and internal controls
Process Improvement: Lead initiatives to enhance credit processes, implement new technologies, and improve operational efficiency
Regulatory Projects: Lead responses to regulatory initiatives and examination findings
Training & Mentoring: Provide guidance and training to credit officers on complex underwriting techniques and portfolio risk considerations where there is expertise
Cross-Functional Collaboration: Work with various departments (Legal, Operations, Technology, Credit Administration) on credit-related initiatives
What do you need?
Bachelor's degree in Finance, Economics, Business Administration, or related field
Minimum 10+ years of commercial credit experience with demonstrated progression in responsibility
Proven experience in both transaction-level underwriting AND portfolio management
Strong knowledge of risk rating methodologies and portfolio analytics
Experience with regulatory examinations and compliance requirements
Advanced knowledge of Microsoft Excel and typing skills
Excellent written and verbal communication skills
Ability to thrive in a varied, intellectually challenging environment
Preferred
Master's degree in Finance, Business Administration, or related field
Formal credit training
Experience with audit/examination processes from regulatory or internal audit perspective
Background in equipment finance or asset-based lending
Experience implementing credit policies and procedures across multiple business lines
Professional certifications in credit or risk management
Experience with SOX compliance and internal controls
Customers Bank is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
We also provide “reasonable accommodations”, upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and applicable state and local laws.
Diversity Statement:
At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a culture which reflects the value we place on diversity, equity, and inclusion. We honor the diverse experiences, perspectives, and identities of our team members, and we recognize that it is their passion, creativity, and integrity that drives our success. Step into your future with us! Let’s take on tomorrow.
Founded in 2009, Customers Bank is a super-community bank with $20.3 billion in assets at June 30, 2022. We believe in dedicated personal service for the businesses, professionals, individuals and families we work with. We offer banking and loan services across Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.
Customers Bank is a member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance Corporation. Customers Bank is an equal opportunity lender. Customers Bank takes pride in delivering extremely high levels of customer service while charging comparatively very low fees; service that makes our clients say, “Wow.”
Customers Bank, with its headquarters located in Malvern, Pennsylvania, is a subsidiary of Customers Bancorp, Inc., a bank holding company. The voting common shares of Customers Bancorp, Inc. are listed on the New York Stock Exchange under the symbol CUBI.
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