Commercial Portfolio Manager

Hancock Whitney Bank • San Antonio, TX

401d

About The Position

The Commercial Portfolio Manager plays a crucial role in the Credit Delivery Team, primarily responsible for credit analysis, underwriting, and managing a portfolio of complex Wholesale Banking relationships. This position supports the Relationship Manager and market leadership in originating, monitoring, and growing profitable banking relationships across various industries. The role involves managing a loan portfolio that includes lines of credit, term notes, and real estate, while ensuring compliance with bank policies and regulatory guidelines.

Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, or related field.
• 7+ years of experience in credit analysis, underwriting, portfolio management, or relationship management in commercial banking.
• Credit analysis training or certificate program, with advanced skills in underwriting complex commercial credits.
• Excellent verbal, written, and interpersonal communication skills.
• Ability to analyze and interpret financial statements and tax returns.
• Knowledge of non-credit bank products and services, credit risk management, and negotiation skills.
• Strong analytical and financial analysis skills, with the ability to perform quick calculations.

Nice To Haves

• Familiarity with syndication and participation credits.
• Experience in managing a loan portfolio of complex Wholesale Banking credits.
• Understanding of macro and microeconomic issues as they apply to business.

Responsibilities

• Partner with Relationship Managers (RMs) and market leadership to manage and grow Wholesale Banking relationships.
• Conduct credit analysis, underwriting, and prepare credit approval packages for new and existing loans.
• Perform ongoing portfolio management and risk management activities to ensure compliance with credit policies and procedures.
• Document loan agreements accurately and monitor compliance with established guidelines.
• Prepare annual reviews to assess financial performance and update risk ratings for clients and guarantors.
• Communicate effectively with internal business partners throughout the underwriting and portfolio management process.
• Review third-party due diligence documents and work with legal counsel on loan documentation.
• Participate in client calls with RMs to understand client needs and business operations.

Benefits

• Health insurance coverage
• 401k retirement savings plan
• Paid holidays
• Professional development opportunities
• Employee discount programs

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees