Senior Commercial Portfolio Manager

Job Summary

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 

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 worth 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.

About HomeTrust Bank

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 www.htb.com.

Apply today to take your first steps towards joining this talented population of employees within a growing organization. 

Work Environment, Physical Requirements  

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes ...