Portfolio Manager I - Specialty Credit

Texas Capital•Dallas, TX

About The Position

The Portfolio Manager I is part of Credit Administration and supports the Specialty line of business. The role owns the underwriting process for credit requests and works closely with Analysts, Associates, and Relationship Managers to assess risks and identify cross-sell opportunities. The Portfolio Manager is responsible for maximizing portfolio performance, leading deals from opportunity to close with little to no oversight, monitoring portfolio quality, and recommending adjustments to existing credit facilities. The role also supports efficient follow-up and best-in-class customer service, while serving as an internal consultant and liaison between Credit and the line of business. It requires handling substantial amounts of information, communicating clearly and concisely, developing solutions for clients, and maintaining close attention to detail. Texas Capital Bank may assign reasonably related additional duties consistent with departmental policy.

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.
High motivation and initiative.
Ability to work collaboratively in a fast-paced environment and build working relationships across the organization.
Strong Microsoft Office skills, including Outlook, Excel, and PowerPoint, to produce 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.
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, including assisting with day-to-day needs, contact meetings, and site visits; direct client contact is expected.
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 items, 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 the delivery of credit solutions for clients and prospects.