Portfolio Manager I - Middle Market

Texas Capital Bank•Houston, TX

About The Position

The Portfolio Manager I is part of Credit Administration and supports Texas Capital Bank’s Middle Market line of business. The role owns the underwriting process for credit requests and works with Analysts, Associates, and Relationship Managers to assess risk and identify cross-sell opportunities. The Portfolio Manager is expected to maximize portfolio performance and lead deals from opportunity through closing with little to no oversight. The position monitors portfolio quality against established criteria and recommends adjustments to existing credit facilities. It also supports efficient follow-up and best-in-class customer service, serving as an internal consultant and liaison between Credit and the line of business. Direct client contact is expected, including assistance with day-to-day needs, contact meetings, and site visits.

Requirements

Bachelor’s degree in Finance, Accounting, Commercial Banking, or an equivalent or relevant program.
At least 3 years of experience in Commercial or Corporate Banking with formal credit training.
Exceptional writing, interpersonal, and communication skills.
Ability to process large amounts of information, communicate clearly and concisely, develop innovative client solutions, and maintain strong attention to detail.
Strong Microsoft Office skills, including Outlook, Excel, and PowerPoint, to produce reports, memos, and presentations.
Motivation and initiative.
Ability to work collaboratively in a fast-paced environment and build relationships across the organization.
Passion for financial services and delivering superior client experiences.
Proven leadership skills and community involvement.

Responsibilities

Oversee credit-related work performed by Analysts and Associates, including financial statement spreading and validation of underwriting models.
Assess risk ratings and conduct periodic relationship reviews.
Partner with Relationship Managers to review and negotiate credit agreements.
Own credit approvals for new customers, modifications, renewals, increases, and risk assessments.
Identify key risks and issues for each credit request and potential mitigants.
Identify policy exceptions.
Direct and manage portfolio reviews.
Validate covenant compliance and manage covenants.
Own post-approval modifications to ensure accurate reporting of credit exposure.
Manage client relationships, assist with day-to-day needs, conduct contact meetings and site visits, and maintain client information in Salesforce.
Analyze macroeconomic conditions, industry trends, and changes in lending practices.
Own portfolio reporting and analytics, including grade migration, past-dues, exceptions, and coming-due maturities.
Identify cross-sell opportunities.
Partner with the Special Assets Group on credit requests as needed.
Lead or support initiatives to improve the delivery of credit solutions for clients and prospects.