Commercial Portfolio Manager III

TowneBank; Raleigh (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

TowneBank's Dogwood division is seeking a Loan Analyst to assist loan officers in day-to-day portfolio management and underwriting for new and existing members across the Carolinas. The role focuses on analyzing financials, preparing summaries, and handling loan packages for approval.

You will attend prospect and member meetings, monitor renewals, input loans into B2B, and support cross-functional collaborations while ensuring compliance with AML/BSA and bank policies.

Qualifications

• Excellent communication and professional interaction with internal and external members.
• Understanding TowneBank lending culture and underwriting of commercial credit.
• Experience analyzing financial statements and underwriting, 8+ years preferred.

Responsibilities

• Assist 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.
• Monitor maturing loan reports and underwrite renewals.
• Inputting new loans and renewals to B2B.
• Complete quarterly Problem Asset Reports for the loan officer portfolio and assist with credit monitoring items.
• Learn about the Bank’s products and services and cross-sell opportunities.
• Work on special projects to improve efficiencies in the loan portfolio management of the region.
• Understand closing requirements for all loans and help clear exceptions as needed.
• Build strong partnerships with business partners.
• Adhere to AML/BSA and related regulations.
• Perform other duties as required.

Skills

Excellent communication

Lending culture knowledge

Team collaboration

Lending experience

Bank policies & procedures

MS Word & Excel

Cross-functional interaction

Education

College degree in Business, Finance or Accounting

Tools

Microsoft Word

Excel

Job description

Dogwood, a Division of TowneBank, has been named as a Best Employer for multiple consecutive years and is driven by a passion for serving our customers and communities. Our team members play a crucial role in delivering exceptional financial services through our branches and online offerings across the Carolinas. With deep roots in the communities we serve, we pride ourselves on being an employer of choice and making a meaningful impact on the lives of our members. This role will be included in the merger with TowneBank and will become a TowneBank position upon conversion in late 2026.

Primary Purpose:

Assist the loan officers in the day-to-day management and monitoring of their loan portfolio including loan underwriting for new and existing members, as well as member interaction. Perform various other member service tasks and assignments as required.

• Assist the 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.
• Monitor the maturing loan report and assist loan officer and administrative officer in underwriting loans for renewal, to include requesting necessary financial information and completing LCA’s for temporary extensions.
• Manage LO’s Past Dues including adding comments to Insight.
• Inputting 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.
• Learn about each of the Bank’s products and services as well affiliate companies to look for additional cross selling opportunities as well as assist the loan officer and administrative officer when needed.
• Work on special projects as requested to help improve efficiencies in the overall loan portfolio management of the region.
• Work along with and independently of the 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.
• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Performs other duties as required or assigned, which are reasonably within the scope of the duties in this job classification.

Minimum Required Skills & Competencies:

• 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 of credit analysis/underwriting experience.

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities

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.