Commercial Portfolio Manager

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.

• 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.
• Maintains confidentiality and security of sensitive information.

Education:

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

Required:

• 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 or processes.
• Positive, growth‑mindset.
• Willingness to learn, develop, and be an active contributor to the team.
• Strong communication, organizational, and time‑management skills.
• Proficient with Microsoft Office products.

Home Trust 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

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. 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.
• Employee will frequently communicate and must be able to exchange accurate information with others.
• Employee may need to move around their office to attend meetings and to access files, machinery, or other job‑related tools.

DISCLAIMER:
Home Trust 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.

Home Trust 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.