Commercial Portfolio Manager II

Assist loan officers in the daily management and monitoring of their loan portfolio to include loan underwriting for new and existing members and support with covenant and financial tracking to include some member interaction. Perform various other member service tasks and assignments as required. Assist the loan officers with the loan approval process by obtaining and analyzing financials, preparing loan summaries and packages for approval. Monitor the maturing loan report and assist loan officer and administrative officer in underwriting loans for renewal. Complete quarterly and annual reviews of credits if necessary. Complete quarterly Problem Asset Reports for the loan officer’s portfolio for review and approval and assist with managing credit monitoring items. Learn about the Bank’s products and services and TFSG companies to assist the Commercial Bankers and Relationship Specialists as backup if needed. This will include traditional banking functions such as transferring funds to/from accounts, assisting members on the phone and via email, as well as following up with referrals to our TFSG partners. Work on special projects as requested to help improve efficiencies in the region’s overall loan portfolio management. Work along with and independently of the lenders to understand closing requirements for all loans as well as help clear exceptions as needed. Proactively build strong and effective partnerships with all business partners. Promote TowneBank within the community by volunteering and attending TowneBank sponsored events. Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA) Experience with analyzing financial statements and underwriting commercial credit Ability to work with minimal supervision Knowledge of banking industry policies and procedures Satisfactory completion of Credit and Small Business rotation or equivalent knowledge and experience in analyzing financial statements and underwriting commercial credit. Satisfactory completion of Credit and Small Business rotation or equivalent knowledge and experience in analyzing financial statements and underwriting commercial credit. Previous lending experience or experience in loan operations. Computer skills (Word and Excel) College degree in Business, Finance or Accounting Has a minimum of 3-7 years of experience of credit analysis/underwriting experience. Experience with banking to include small business, credit operations, and/or credit underwriting skills Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation. Not substantially exposed to adverse environmental conditions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities