Commercial Portfolio Manager I

Southstate Bank•Round Rock, TX

1d•Onsite

About The Position

The Commercial Portfolio Manager supports the commercial loan and deposit portfolios of one or more Commercial Relationship Managers, with some commercial real estate work. The role provides quality underwriting, sound portfolio management, and superior client service while operating within Bank policies, procedures, and applicable regulations. The position analyzes new and renewal loan requests and ongoing portfolio activity; researches industries; prepares complete commercial loan packages and credit memos; evaluates borrowers, guarantors, transactions, and risks; assigns and monitors risk grades; and guides requests through the credit approval process. It also supports loan servicing and portfolio monitoring, including covenant tracking, annual servicing reviews, exception clearing, and resolution of documentation or compliance deficiencies. The Commercial Portfolio Manager collaborates with Relationship Managers, Credit Administration, Loan Operations, and other internal partners, and may accompany Relationship Managers on customer calls. The role serves as a trusted advisor to clients and prospects in the context of risk management, maintains knowledge of the Bank’s products and lending regulations, and follows applicable corporate policies and regulatory requirements, including BSA, AML, CIP, and OFAC obligations. Other duties may be assigned.

Requirements

Four-year degree in Business Administration, Finance, Accounting, or a related field, or equivalent experience.
Minimum 4–6 years of experience in credit analysis, commercial banking, or business banking, including at least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market.
Familiarity with loan structuring and loan documentation is required.
Knowledge of accounting and lending principles.
Excellent oral and written communication skills.
In-depth knowledge of federal and state lending regulations and Bank lending policies and procedures.
Proficiency in Microsoft Excel and Word.
Excellent interpersonal skills, strong organization, and high attention to detail.
Cooperative approach and willingness to assist coworkers and customers regularly.
Effective listening skills, including the ability to understand others and respond with relevant solutions or contributions.
Ability to multitask and function well under pressure, remain composed, and respond to customer and coworker concerns.
Patience and willingness to help others solve problems while maintaining a positive attitude.
Ability to stand and/or sit for long periods and effectively access and interpret information on computer screens, documents, and reports.

Nice To Haves

Graduation from a recognized school of banking is an asset.

Responsibilities

Analyze financial information to evaluate the creditworthiness of new loan requests, renewal requests, and ongoing portfolio activity in accordance with Bank policies and procedures.
Conduct industry research as needed for existing and prospective Bank customers.
Compile accurate and complete commercial loan packages, including written credit memos, borrower and guarantor financial analyses, transaction analyses, risk assessments, risk grades, and recommendations.
Perform additional credit analysis using tools beyond traditional spreads and global cash flow when needed, such as a CRE analysis tool.
Guide loan requests through the credit approval process and ensure loan structures meet client needs and the Bank’s operating objectives.
Ensure large commercial loan relationships comply with applicable state and federal regulations and Bank policies and procedures.
Monitor and service supported Commercial Bankers’ large commercial loan portfolios, including centralized covenant testing and tracking, annual servicing reviews, and exception clearing.
Assign appropriate risk grades to loans and recommend adjustments when circumstances or new information warrant them.
Assist Relationship Managers with credit presentations to Credit Administration, Bank leaders, and committees.
Ensure required documentation is on file for loans and treasury management approvals; work with Relationship Managers and Loan Assistants to resolve documentation or compliance deficiencies.
Accompany Relationship Managers on calls with existing or prospective customers when requested.
Build and maintain positive working relationships with internal business partners, including Loan Operations, Credit Administration, Credit Leadership, local line leadership, and branch personnel.
Undertake special projects related to the role as assigned by Credit Administration leadership.
Maintain and improve skills through professional training and Bank-provided cross-training.
Work with Relationship Managers, Credit Administrators, and Loan Assistants to minimize past-due loans.
Serve as a trusted advisor to clients and prospects within the context of risk management.
Demonstrate commitment to fair lending and remain knowledgeable about laws and regulations governing financial-institution lending.
Comply with Bank policies and procedures and applicable state and federal laws and regulations, including BSA, AML, CIP, and OFAC requirements.
Build and maintain relationships with attorneys, appraisers, developers, and others to enhance the Bank’s image and reputation.
Stay current on the Bank’s products and services.
Accept other duties as assigned.