Portfolio Manager II

BOK Financial•Addison, TX

1d•Hybrid

About The Position

The Portfolio Manager II partners with the Relationship Manager in supporting the growth and management of the loan portfolio. This role provides ongoing asset management of a credit portfolio and conducts regularly scheduled reviews of overall asset quality, with a focus on evaluating performance against original underwriting expectations. These reviews evaluate information including borrower/sponsor historical financial statements, changes in the macroeconomic / reimbursement environment, pro forma statements, planned capex, stress testing, and overall analysis of the credit condition of the borrower/sponsor. Under direct supervision, the principal functions of the Portfolio Manager II are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help manage customer relationships by providing exceptional service; (3) assist with routine issues such as monthly / quarterly reporting requirements, overdrafts, wires, new account openings, etc.; (4) ensure that renewals, extensions and annual reviews are completed in a timely manner; (5) seek ways to enhance customer profitability by looking for cross-sell opportunities; and 6) identifying referral opportunities from current customers and centers of influence.

Requirements

Bachelor’s degree and 5-7 years of Credit Analysis/Credit products underwriter experience; or 10+ years of equivalent work related experience.
Demonstrated knowledge of intermediate accounting theory, including the difference between GAAP and income-tax based statements, cash and accrual accounting, consolidation and elimination principals.
Ability to clearly communicate and convey information and ideas through a variety of channels.
Ability to leverage a network of relationships with clients, relationship managers, and peers for support in achieving both the individual and organizational goals.
Extensive knowledge and understanding of credit principles, lending functions, loan analysis, and application of general credit policies.
Excellent organizational skills and meticulous work habits.
Ability to critically review work for errors and incorrect conclusions.
Ability to complete assignments quickly and efficiently with minimal direction.
Ability to proactively communicate with both colleagues and senior personnel.
Conflict management skills.
Ability to work efficiently under limited timeframes.
Extensive knowledge of loan documentation, loan policy and regulations.
Extensive knowledge of the Loan Grading Process.
Excellent oral and written communications skills.
Advanced PC and spreadsheet software skills.

Responsibilities

Establish and maintain favorable relationships with current and prospective clients.
Manage mid-sized relationships (credits, deposits, and fee based products/services) that require moderate analysis.
Makes recommendations as to whether an extension/modification is deemed appropriate, as well as negotiate the terms and conditions of the proposed extension or modification terms.
Actively participate in customer meetings to further the relationship and expand business opportunities.
Identify and capture opportunities to cross-sell additional loan and other bank products to clients; including partnering with and referring business to internal business partners and related experts when appropriate to drive Bank profitability and efficiency.
Analyze clients’ needs; asses the client’s financial position and credit worthiness to ensure loans meet credit and financial requirements for lending quality and compliance as determined by the Bank’s Credit Policy.
Under limited supervision, report on the overall portfolio, including and not limited to, assessing asset quality, stress testing, industry and market analysis, competitive analysis, asset allocation, reserves and non-performing loan analysis.
Ensure accuracy of information, data, and documentation for all portfolio accounts.
Maintain loan reporting, including: past dues, documentation and collateral exceptions, financial performance updates, asset quality reports, portfolio profitability, etc.
Effectively present proposed credit actions in written analysis document and as necessary, verbally to Senior Credit Officers.