Portfolio Manager

Austin Bank • Montgomery, TX

6d • Onsite

About The Position

This position is responsible for ensuring portfolio administration and risk management comply with established credit policy and regulatory guidelines. The role involves maintaining financial monitoring, covenant tracking, exception management, and timely renewals. The Portfolio Manager will determine compliance with loan agreements and borrowing base requirements, conduct periodic borrower reviews, and maintain accurate digital loan files. This role also serves as a liaison between lenders and internal departments such as Credit, Appraisal, and Central Loan Documentation (CLD). Key responsibilities include collecting and analyzing financial information, addressing documentation deficiencies, monitoring repayment activity, managing past due accounts, and participating in loan approval processes with recommendations for appropriate credit structure. The position requires preparing cash flow analyses, financial spreads, and credit packages, as well as reviewing appraisals and loan documents prior to closing. The Portfolio Manager may attend loan closings and perform collateral inspections as required. Additionally, the role involves identifying cross-sell opportunities, participating in community and business development activities, and ensuring compliance with BSA, CIP, and all regulatory requirements. A strong emphasis is placed on delivering superior customer service and upholding organizational values. The role also includes other duties such as exhibiting superior customer service as an Austin Bank team member, demonstrating high-quality relationship building techniques, promoting customer loyalty, fostering teamwork, staying informed of company communications, and developing personal skills through ongoing training. Upholding organizational values related to ethics, integrity, and confidentiality is paramount.

Requirements

• Ensure portfolio administration and risk management comply with established credit policy and regulatory guidelines.
• Maintain financial monitoring, covenant tracking, exception management, and timely renewals.
• Determine compliance with loan agreements and borrowing base requirements.
• Conduct periodic borrower reviews and maintain accurate digital loan files.
• Serve as liaison between lenders and internal departments including Credit, Appraisal, and Central Loan Documentation (CLD).
• Collect and analyze financial information and address documentation deficiencies.
• Monitor repayment activity and manage past due accounts.
• Participate in loan approval processes and recommend appropriate credit structure.
• Prepare cash flow analyses, financial spreads, and credit packages.
• Review appraisals and loan documents prior to closing.
• Attend loan closings as required.
• Perform collateral inspections as required.
• Identify cross-sell opportunities across bank products.
• Participate in community and business development activities.
• Comply with BSA, CIP, and all regulatory requirements.
• Deliver superior customer service and uphold organizational values.
• Exhibit superior customer service as an Austin Bank team member.
• Demonstrate high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs.
• Help promote a loyal relationship between the customer and Austin bank.
• Participate in developing a teamwork atmosphere with co-workers.
• Stay abreast of company communications by reading publications, announcements and company e-mails, etc.
• Take advantage of appropriate communication channels regarding bank related business matters.
• Develop personal skills and capabilities through on-going training.
• Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally.
• Greet customers and provide superior customer service.

Responsibilities

• Ensure portfolio administration and risk management comply with established credit policy and regulatory guidelines.
• Maintain financial monitoring, covenant tracking, exception management, and timely renewals.
• Determine compliance with loan agreements and borrowing base requirements.
• Conduct periodic borrower reviews and maintain accurate digital loan files.
• Serve as liaison between lenders and internal departments including Credit, Appraisal, and Central Loan Documentation (CLD).
• Collect and analyze financial information and address documentation deficiencies.
• Monitor repayment activity and manage past due accounts.
• Participate in loan approval processes and recommend appropriate credit structure.
• Prepare cash flow analyses, financial spreads, and credit packages.
• Review appraisals and loan documents prior to closing.
• Attend loan closings as required.
• Perform collateral inspections as required.
• Identify cross-sell opportunities across bank products.
• Participate in community and business development activities.
• Comply with BSA, CIP, and all regulatory requirements.
• Deliver superior customer service and uphold organizational values.
• Exhibit superior customer service as an Austin Bank team member.
• Demonstrate high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs.
• Help promote a loyal relationship between the customer and Austin bank.
• Participate in developing a teamwork atmosphere with co-workers.
• Stay abreast of company communications by reading publications, announcements and company e-mails, etc.
• Take advantage of appropriate communication channels regarding bank related business matters.
• Develop personal skills and capabilities through on-going training.
• Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally.
• Greet customers and provide superior customer service.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed