Commercial Portfolio Manager III | Eastern NC

Primary Purpose

Aid the loan officers in managing and monitoring their loan portfolio, including loan underwriting for new and existing members and member interactions.

Essential Responsibilities

• Aid loan officers with the loan approval process by obtaining and analyzing financials, preparing loan summaries and packages for approval.
• Attend outside prospect and member meetings as necessary.
• Maintain the maturing loan report and assist loan officers and administrative officers in underwriting loans for renewal, gathering necessary financial information and completing LCA's for temporary extensions.
• Manage past dues, inputting new loans and renewals to B2B, and complete quarterly Problem Asset Reports for review and approval.
• Assist with managing credit monitoring items and Priority 1 exceptions.
• Learn about and promote TowneBank products and services, as well as affiliate companies, to identify cross-selling opportunities.
• Work on special projects to enhance loan portfolio management efficiency in the region.
• Collaborate with and independently support loan officers and administrative officers in meeting closing requirements and clearing exceptions as needed.
• Proactively build strong partnerships with business partners.
• Comply with applicable federal laws, rules, and regulations, including AML and BSA.

Minimum Required Skills & Competencies

• Excellent member service skills.
• Excellent communication skills and professional interaction with internal and external members.
• Satisfactory completion of Credit and Small Business rotation or equivalent financial analysis and underwriting experience.
• Ability to work with minimal supervision and collaborate effectively across various internal departments.
• Previous lending experience or experience in loan operations.
• Knowledge of Bank policies and procedures.
• Proficiency in computer applications (Word and Excel).

Desired Skills & Competencies

• College degree in Business, Finance, or Accounting.
• Experience in B2C and B2B lending.
• At least 8 years of credit analysis/underwriting experience.

Physical Requirements

• Express or exchange ideas via email and verbally.
• Sit most of the time.
• Close visual acuity for analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.