Sr Commercial Portfolio Manager

HomeTrust Bank; Greenville (SC); On-site; USD 85,000 - 120,000; Full time

Job summary

HomeTrust Bank is seeking a Senior Commercial Portfolio Manager to lead credit solutions and manage complex client relationships in Greenville, South Carolina. The ideal candidate will have over 7 years of commercial credit experience and a bachelor's degree in Accounting or Finance. Responsibilities include underwriting and mentoring junior staff while ensuring that credit risk metrics are met. This role requires strong communication, organizational, and time management skills, and offers a dynamic work environment.

Qualifications

• Minimum of 7+ years of progressive Commercial Credit experience.
• Formal Commercial Credit Training required.
• Must be a self-starter with a strong work ethic.

Responsibilities

• Underwrites and structures credit packages for complex relationships.
• Proactively manages a portfolio of existing relationships.
• Mentors Junior Portfolio Managers and credit analysts.

Skills

Strong communication skills

Interpersonal skills

Organizational skills

Time management skills

Microsoft Office proficiency

Education

Bachelor’s degree in Accounting, Finance, or related field

Job description

Job Summary

The Senior Commercial Portfolio Manager is a key member of the client team and credit leader within the organization. The Senior Commercial Portfolio Manager works with the Commercial Relationship Manager to meet with customers, screen new deals, and develop credit solutions. The Senior Commercial Portfolio Manager underwrites credit packages and manages a credit portfolio independently with minimal oversight, generally for the largest and most complex relationships.

Key Responsibilities / Essential Functions

• Underwrites, structures and completes credit packages generally for the largest and most complex borrowing relationships (new money, renewals, and annual reviews).
• Proactively manages a portfolio of existing client relationships.
• Reviews borrowing base and covenant calculation trends; monitor changes in the borrower’s industry and operating performance; and identify changes in the borrower’s credit risk profile.
• Creates and analyzes balance sheet, income statement and cash flow projections.
• Ensures all credit risk metrics within the assigned portfolio are managed within acceptable risk tolerance.
• Mentors Commercial Portfolio Managers and Commercial Credit Analysts. Provides opportunities for growth. Serves as a resource in building the bank’s credit bench strength.
• Maintains confidentiality and security of sensitive information.

Job Requirements

Education

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

Required

• Minimum of 7+ years of progressive Commercial Credit experience.
• Formal Commercial Credit Training.
• Strong communication, interpersonal, organizational, and time management skills.
• Works with a sense of urgency.
• Must be a self-starter with a strong worth ethic.
• Demonstrated ability to work independently to meet deadlines while managing multiple projects / processes.
• High degree of personal and professional integrity – consistent, trustworthy, honest, and fair in dealing with bank staff and customers.
• Must be flexible and willing to take-on projects and responsibilities outside the primary scope of position.
• Proficient with Microsoft Office products.

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.

Equal Employment Opportunity

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.