Commercial Portfolio Manager

Job Summary The Commercial Portfolio Manager is a key member of the client team. The Commercial Portfolio Manager works with the Commercial Relationship Manager to meet with customers and screen new deals. The Commercial Portfolio Manager is responsible for underwriting credit requests and managing a commercial credit portfolio of increasing complexity with increasing independence based on experience. Key Responsibilities / Essential Functions

• Works with the Commercial Relationship Manager to meet with the customers and screen new deals.
• Underwrites credit packages for new money and renewal requests.
• Manages a portfolio of existing client relationships.
• Completes annual reviews; reviews monthly borrowing bases and covenant calculations; monitors changes in the borrower's industry and operating performance; and identifies changes in the borrower's credit risk profile.
• Ensures all credit risk metrics within the assigned portfolio are managed within acceptable risk tolerance.
• Serves as a resource and mentor for Commercial Credit Analysts.
• Maintain confidentiality and security of sensitive information.

Job Requirements Education:

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

Required:

• 5+ years of progressive Commercial Credit experience.
• Completion of formal credit training.
• Solid understanding of financial statement analysis, cash flow analysis, accounting, and credit structuring.
• Proven underwriting and decision-making experience.
• Demonstrated track record of effective problem-solving.
• Ability to meet deadlines while managing multiple projects / processes.
• Positive, growth-mindset.
• Willingness to learn and develop and to be an active contributor to the team.
• Strong communication, organizational, and time management skills.
• 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 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, .

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