Commercial Portfolio Manager III

Essential Responsibilities

• Aid loan officers in the loan approval process by obtaining and analyzing financials, preparing loan summaries and packages for approval.
• Attend outside prospect and member meetings as necessary.
• Monitor the maturing loan report and assist loan officers and administrative officers in underwriting loans for renewal, to include requesting necessary financial information and completing LCA’s for temporary extensions.
• Manage past dues including adding comments to Insight.
• Input both new loans and renewals to B2B.
• Complete quarterly Problem Asset Reports for the loan officer’s portfolio for review and approval and assist with managing credit monitoring items and Priority 1 exceptions.
• Work on special projects as requested to help improve efficiencies in the overall loan portfolio management of the region.
• Work alongside and independently of loan officers to understand closing requirements for all loans as well as help clear exceptions as needed.
• Proactively build strong and effective partnerships with all business partners.
• Adhere to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act.

Minimum Required Skills & Competencies

• Excellent member service skills.
• Excellent communication skills and the ability to interact professionally with internal and external members.
• Complete understanding of TowneBank lending culture and philosophy.
• Satisfactory completion of Credit and Small Business rotation or equivalent knowledge and experience in analyzing financial statements and underwriting commercial credit.
• Ability to work with minimum supervision.
• Ability to work well with various internal departments to achieve team goals and objectives.
• Previous lending experience or experience in loan operations.
• Knowledge of Bank policies and procedures.
• Computer skills (Word and Excel).

Desired Skills & Competencies

• College degree in Business, Finance or Accounting.
• Knowledge of B2C and B2B.
• Has 8 or more years of experience in credit analysis/underwriting.