Senior Commercial Portfolio Manager

Home Trust Banking Partnership • Charleston, SC

48d • Onsite

About The Position

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

Requirements

• 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 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.

Responsibilities

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 501-1,000 employees