Portfolio Manager, Power, Energy, Utilities

Farm Credit Bank of Texas•Austin, TX

8h•Hybrid

About The Position

Manages and supports an assigned commercial lending portfolio focused on borrowers and transactions in the power, energy, and utilities sectors. Performs sector-specific screening, underwriting, structuring, execution support, and ongoing portfolio monitoring while partnering with relationship managers, senior lenders, credit partners, and other internal stakeholders. Ensures strong credit discipline, responsive client service, and compliance with Bank policies, regulatory requirements, and portfolio risk standards.

Requirements

Bachelor’s degree in accounting, finance, business administration, economics, or related field.
Five (5) to seven (7) years of related experience in credit analysis, commercial lending, portfolio management, corporate banking, project finance, or similar financial services roles.
Experience demonstrating ability to manage increasingly complex transactions, analyze credit risk, and support client relationships in specialized industries.
Experience with bank or financial institution credit processes, loan structuring, and ongoing portfolio monitoring.
Strong knowledge of commercial lending, credit underwriting, and portfolio management principles.
Strong analytical, problem-solving, written communication, and verbal communication skills.
Ability to manage multiple priorities, deadlines, and transactions while working collaboratively and independently.
Proficiency in applications and systems used for credit, portfolio, and relationship management.

Nice To Haves

Experience in lending, underwriting, or portfolio management related to power, energy, utilities, infrastructure, or other capital-intensive sectors.
Advanced degree.
Prior banking experience.
Understanding of the power, energy, and utilities sectors including business drivers, capital structures, regulatory environments, and industry risks.

Responsibilities

Support the lending and sales process for clients and prospects in the power, energy, and utilities sectors independently or in partnership with senior lenders and relationship managers.
Screen, structure, and underwrite credit opportunities involving commercial and industrial borrowers, utilities, power producers, energy developers, and related entities.
Analyze borrower financial performance, cash flow, collateral, industry conditions, market dynamics, and transaction structures to assess creditworthiness and risk.
Review credit memoranda and underwriting packages for new transactions, renewals, and amendments.
Conduct ongoing monitoring of assigned portfolio relationships to ensure asset quality, covenant compliance, appropriate risk ratings, and strong client service.
Review past dues, exceptions, upcoming maturities, covenant compliance, borrowing base activity, and other portfolio indicators and recommend corrective actions as needed.
Monitor and report deteriorating credit conditions, industry developments, commodity or market pressures, regulatory changes, and other factors that may affect portfolio performance.
Gather information required for annual reviews, renewals, amendments, and waivers and develop informed recommendations based on credit analysis and relationship performance.
Partner with internal teams including credit analysts, loan administration, legal counsel, appraisal or valuation resources, and other risk partners to support accurate and timely transaction execution.
Coordinate with external attorneys and other third parties in support of loan documentation and closing requirements.
Maintain strong working knowledge of Bank credit policies, underwriting standards, loan documentation requirements, and applicable regulatory expectations.
Support organic growth within the assigned portfolio by identifying opportunities to deepen client relationships and deliver additional financing solutions consistent with Bank strategy and risk appetite.
Ensure all activities, documentation, and decisions comply with applicable laws, regulations, internal policies, and required training standards.
Perform other duties and responsibilities as assigned.

Benefits

Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution
Long-term disability and life insurance
Vacation leave, sick leave, and paid holidays
Fertility benefit and parental leave plan
Up to two days per year to volunteer in local community organizations, services, or events
Ongoing professional-development opportunities
Generous tuition-reimbursement program
Physical fitness incentive plan
Employer matching gifts program