Mortgage Finance Portfolio Manager

BOK Financial•Addison, TX

6d•Onsite

About The Position

The Mortgage Finance Portfolio Manager facilitates the origination, underwriting, and ongoing credit management of a commercial mortgage finance loan portfolio. This role is responsible for independently preparing credit analysis and underwriting recommendations for new originations, renewals, extensions, and modifications, while ensuring compliance with the Bank’s Credit Policy and underwriting standards. The Portfolio Manager partners closely with Relationship Managers, Senior Portfolio Managers, and Credit Administration to evaluate borrower financial condition, collateral performance, and transaction structure. The position requires sound credit judgment, strong analytical skills, and the ability to identify emerging risks and policy exceptions, while escalating complex or higher‑risk issues to senior credit officers as appropriate. Every day, our team members push the boundaries of what’s possible, striving for excellence with our teams, clients, and business. As a financial institution that breaks the mold, we focus on building relationships through expertise and sound advice, rather than merely promoting products. Join us to build your career, fuel your curiosity, develop lasting relationships, and make an impact. Even after more than a century, we’re more excited than ever about our future.

Requirements

Bachelor’s degree in finance or accounting, or related field of study and 5-8 years of experience in credit underwriting, credit analysis, portfolio management, or commercial/mortgage finance.
Strong accounting and cash flow expertise, including GAAP vs. tax accounting, accrual vs. cash methods, consolidations, and underwriting impacts
Solid understanding of credit principles, loan analysis, lending functions, and credit policy application
Experience with mortgage warehouse lending structures and secondary market execution
Proficient in counterparty credit risk assessment, financial statement analysis, and collateral evaluation
Ability to identify operational, credit, fraud, concentration, and emerging risks and recommend appropriate risk mitigants
Knowledge of agency and government loan programs (FNMA, FHLMC, FHA, VA, USDA) and investor behavior
Sound judgment in escalating exceptions, breaches, and risks to Relationship Managers
Strong organizational skills with the ability to manage multiple transactions, deadlines, and time-sensitive deliverables independently
Detail-oriented with strong critical review skills and focus on accuracy
Proactive communicator with confidence to challenge conclusions and engage in difficult conversations
Strong written and verbal communication skills
Advanced proficiency in PC and spreadsheet software

Nice To Haves

Prior exposure to warehouse lending, mortgage banking clients, or specialty finance products is a plus.

Responsibilities

Prepare independent underwriting and credit analysis for loan requests, renewals, and modifications using cash flow, leverage, liquidity, and repayment metrics.
Analyze historical and pro forma financials, collateral, and borrowing base data to evaluate overall credit risk.
Draft clear credit memoranda highlighting risks, mitigants, strengths, weaknesses, and policy exceptions for approval review.
Monitor the loan portfolio through covenant compliance reviews, financial analysis, and identification of risk trends.
Identify, document, and escalate covenant breaches, non‑compliance issues, and early warning indicators while supporting remediation efforts.
Collaborate with Relationship Managers and internal partners to support deal structuring, underwriting accuracy, and timely closings.
Participate in client discussions, stress testing, sensitivity analysis, and portfolio reporting to support asset quality oversight.