Commercial Portfolio Manager II

Towne Family of Companies•Charlotte, NC

17h

About The Position

Assist loan officers with the daily management and monitoring of their loan portfolios, including underwriting loans for new and existing members, tracking covenants and financials, and interacting with members. Perform other member service tasks and assignments as required. The role also supports loan approvals, renewals, credit reviews, problem-asset reporting, loan closing requirements, and portfolio-management efficiency projects. It provides backup to Commercial Bankers and Relationship Specialists as needed and promotes TowneBank in the community.

Requirements

Excellent member service skills.
Excellent communication skills and the ability to interact professionally with internal and external members.
Familiarity with effective lending and underwriting practices.
Experience analyzing financial statements and underwriting commercial credit.
Ability to work with minimal supervision.
Ability to work well with various internal departments to achieve team goals and objectives.
Knowledge of banking industry policies and procedures.
Satisfactory completion of the Credit and Small Business rotation, or equivalent knowledge and experience analyzing financial statements and underwriting commercial credit.
Previous lending experience or experience in loan operations.
Computer skills, including Word and Excel.

Nice To Haves

College degree in Business, Finance, or Accounting.
Three to seven years of credit analysis or underwriting experience.
Banking experience, including small business, credit operations, and/or credit underwriting skills.

Responsibilities

Assist loan officers with the loan approval process by obtaining and analyzing financial information and preparing loan summaries and approval packages.
Attend outside prospect and member meetings as necessary.
Monitor the maturing loan report and assist loan officers and the administrative officer with underwriting loan renewals.
Complete quarterly and annual credit reviews when necessary.
Complete quarterly Problem Asset Reports for the loan officer’s portfolio for review and approval, and assist with managing credit-monitoring items.
Learn the Bank’s products and services and TFSG companies to provide backup to Commercial Bankers and Relationship Specialists, including transferring funds, assisting members by phone and email, and following up on referrals to TFSG partners.
Work on special projects to improve efficiencies in the region’s overall loan portfolio management.
Work with lenders and independently to understand loan closing requirements and help clear exceptions as needed.
Build strong and effective partnerships with business partners.
Promote TowneBank in the community by volunteering and attending TowneBank-sponsored events.
Adhere to applicable federal laws, rules, and regulations, including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
Perform other duties as assigned.