Portfolio Manager I - Middle Market

Texas Capital•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 evaluate risk and identify cross-sell opportunities. The Portfolio Manager is responsible for portfolio performance and is expected to lead deals from opportunity through closing with little to no oversight. The position monitors portfolio quality against established criteria and recommends adjustments to credit facilities when appropriate. It also provides follow-up and coordinates processes to deliver strong customer service, serving as an internal consultant and liaison between Credit and the Line of Business. The role includes direct client contact and oversight of credit approvals, portfolio reviews, covenant compliance, reporting, and analytics.

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.
Strong motivation and initiative.
Ability to work effectively in a fast-paced, collaborative environment and build working relationships across the organization.
Strong Microsoft Office skills, including Outlook, Excel, and PowerPoint, for producing reports, memos, and presentations.
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.
Conduct risk-rating assessments and periodic relationship reviews.
Partner with Relationship Managers in reviewing and negotiating 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, attend contact meetings and site visits, and maintain direct client contact.
Manage client information in Salesforce.
Analyze macroeconomic conditions, industry trends, and changes in lending practices.
Own portfolio reporting and analytics, including grade migration, past-due accounts, exceptions, and upcoming maturities.
Identify cross-sell opportunities.
Partner with the Special Assets Group on credit requests as needed.
Lead or support initiatives to improve delivery of credit solutions for clients and prospects.