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.

• 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.

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

• 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.

Home Trust 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 toward joining this talented population of employees within a growing organization.

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. Home Trust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• 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.

DISCLAIMER:
Home Trust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

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.