Portfolio Manager II

FIRSTBANK SOUTHWEST•Fort Worth, TX

8d•Onsite

About The Position

Responsible for managing a moderately complex portfolio of commercial and/or consumer loans to support asset quality, profitability, and relationship management goals of the bank.

Requirements

Associate’s degree in finance or business administration and 5 years’ experience in commercial lending or credit analysis; OR Bachelor’s degree in finance or business administration and 2 years’ experience in commercial lending or credit analysis
General computer skills
Microsoft Office, specifically Word and Excel
Works well independently
Treats all customers and fellow employees with respect
Exceeds customer expectations
Meets customer needs
Maintain confidentiality of all bank records
Conducts interactions with honest, ethical, and strong moral principles
Performs at the highest level
Takes responsibility for actions
Does what is expected
Leads by example and takes initiative
Works as a team
Efficiently shares information in a collaborating and proactive manner
Pays attention to detail
Solves problems
Makes sound decisions
Manages time effectively
Prioritizes effectively
Performs multiple tasks simultaneously
Shows up for work and is on time
Complies with all laws and regulations
Completes all required training
Adheres to Bank Values

Responsibilities

Manages and monitors an assigned loan portfolio, including commercial, real estate, agricultural, or consumer credits, as applicable.
Performs comprehensive financial analysis, including cashflow, global debt service coverage, collateral evaluation, and covenant compliance.
Identifies and proactively addresses credit risk, trends, and potential problem loans.
Prepares and presents credit memoranda, renewals, modifications, and extensions in accordance with bank policy.
Ensures loan documentation, collateral perfection, and credit files meet internal policy and regulatory requirements.
Monitors covenant compliance, financial reporting requirements, and exception tracking.
Assists in internal and external audits, loan reviews, and regulatory examinations.
Supports criticized and classified asset management efforts, including workout strategies when needed.
Partners with commercial lenders and relationship managers to support new loan requests, renewals, and ongoing portfolio servicing.
Participates in customer meetings as needed to discuss financial performance and credit structure.
Serves as a resource to lenders regarding credit structure, policy interpretation, and risk mitigation.
Prepares periodic portfolio reports, risk ratings, and concentration analyses.
Other duties as assigned.