Sr Commercial Portfolio Manager

Sr Commercial Portfolio Manager

The Senior Commercial Portfolio Manager is a key member of the client team and credit leader within the organization. The Senior Commercial Portfolio Manager works with the Commercial Relationship Manager to meet with customers, screen new deals, and develop credit solutions. The Senior Commercial Portfolio Manager underwrites credit packages and manages a credit portfolio independently with minimal oversight, generally for the largest and most complex relationships.

Job Details

Key Responsibilities / Essential Functions

• Underwrites, structures and completes credit packages generally for the largest and most complex borrowing relationships (new money, renewals, and annual reviews).
• Proactively manages a portfolio of existing client relationships.
• Reviews borrowing base and covenant calculation trends; monitor changes in the borrower's industry and operating performance; and identify changes in the borrower's credit risk profile.
• Creates and analyzes balance sheet, income statement and cash flow projections.
• Ensures all credit risk metrics within the assigned portfolio are managed within acceptable risk tolerance.
• Mentors Commercial Portfolio Managers and Commercial Credit Analysts. Provides opportunities for growth. Serves as a resource in building the bank's credit bench strength.
• Maintains confidentiality and security of sensitive information.

Job Requirements

Education:

• Bachelor's degree in Accounting, Finance, or related field.

Required:

• Minimum of 7+ years of progressive Commercial Credit experience.
• Formal Commercial Credit Training.
• Strong communication, interpersonal, organizational, and time management skills.
• Works with a sense of urgency.
• Must be a self-starter with a strong work ethic.
• Demonstrated ability to work independently to meet deadlines while managing multiple projects / processes.
• High degree of personal and professional integrity consistent, trustworthy, honest, and fair in dealing with bank staff and customers.
• Must be flexible and willing to take-on projects and responsibilities outside the primary scope of position.
• Proficient with Microsoft Office products.

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, and Tennessee. Learn more at Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery or other job-related tools.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.