Commercial Portfolio Manager II
About The Position
The Commercial Portfolio Manager II assists loan officers with the daily management and monitoring of their loan portfolios. The role supports underwriting for new and existing members, covenant and financial tracking, and some member interaction. It also performs other member-service tasks and assignments as needed. The position supports commercial lending operations by gathering and analyzing financial information, preparing loan approval materials, monitoring maturing loans and credit reviews, and helping manage problem assets and credit-monitoring items. It also provides backup support for Commercial Bankers and Relationship Specialists, assists with loan closings and exception clearance, contributes to regional portfolio-management projects, and builds effective partnerships across the business. The role promotes TowneBank in the community and follows applicable federal requirements, including AML and BSA regulations.
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.
- 3–7 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 financials and preparing loan summaries and approval packages.
- Attend prospect and member meetings as necessary.
- Monitor the maturing loan report and assist loan officers and administrative officers 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 about the Bank’s products and services and TFSG companies to provide backup support to Commercial Bankers and Relationship Specialists, including traditional banking tasks, phone and email assistance, fund transfers, and 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.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
