Commercial Portfolio Manager

HomeTrust Bank; Charleston (SC); On-site; USD 85,000 - 110,000; Full time

Job summary

A regional community bank is seeking a Commercial Portfolio Manager in Charleston, SC. The role includes underwriting credit requests, managing client relationships, and mentoring junior analysts. The ideal candidate will have a Bachelor's degree in finance-related fields and at least 5 years of commercial credit experience. Strong problem-solving, communication, and organizational skills are essential for success. This position promotes a dynamic work environment focused on teamwork and professional growth.

Qualifications

• 5+ years of progressive Commercial Credit experience.
• Completion of formal credit training.
• Solid understanding of financial statement analysis and cash flow analysis.

Responsibilities

• Underwrites credit packages for new money and renewal requests.
• Manages a portfolio of existing client relationships.
• Completes annual reviews and monitors changes in borrowers' credit risk.

Skills

Credit analysis

Problem-solving

Communication skills

Organizational skills

Microsoft Office proficiency

Education

Bachelor’s degree in Accounting, Finance or related field

Job description

Commercial Portfolio Manager

Join to apply for the Commercial Portfolio Manager role at HomeTrust Bank

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 Qualifications

• 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.

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, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery or other job‑related tools.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with affirmative action and equal employment opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.