Portfolio Manager

Texas Capital•Dallas, TX

About The Position

The Portfolio Manager II role is within Credit Administration and supports the Corporate line of business. The role owns the underwriting process for credit requests, working with Analysts, Associates, and Relationship Managers to assess risks and identify cross-sell opportunities. The Portfolio Manager is expected to lead deals from opportunity through closing with little to no oversight, maximize portfolio performance, monitor portfolio quality, and recommend adjustments to credit facilities. The position also provides timely follow-up, supports high-quality customer service, and acts as an internal consultant and liaison between Credit and the Line of Business. The role requires processing substantial amounts of information, communicating clearly and concisely, developing solutions for clients, and maintaining careful attention to detail. It includes credit approval ownership, risk assessment, portfolio monitoring and reporting, client management with direct client contact, and collaboration on initiatives to improve credit solutions.

Requirements

Bachelor’s degree in Finance, Accounting, Commercial Banking, or an equivalent or relevant program.
At least 5 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 effectively as a team player in a fast-paced, collaborative environment and build relationships across the organization.
Strong Microsoft Office skills, including Outlook, Excel, and PowerPoint, for producing reports, memos, and presentations.
Passion for financial services and delivering superior client experiences.
Proven leadership skills and community involvement.

Responsibilities

Oversee Analysts’ and Associates’ credit-related work, including financial statement spreading and validation of underwriting models.
Assess risk ratings and conduct periodic relationship reviews.
Partner with Relationship Managers on credit agreement review and negotiation.
Own credit approvals for new customers, modifications, renewals, increases, and risk assessments.
Identify key risks and issues for credit requests and potential mitigants.
Identify policy exceptions.
Direct and manage portfolio reviews.
Validate covenant compliance and manage covenants.
Own post-approval modifications to ensure accurate credit exposure reporting.
Manage client relationships, assist with day-to-day needs, participate in contact meetings and site visits, and maintain direct client contact.
Manage client information in SalesForce.
Analyze macroeconomic conditions, industry trends, and changes in lending practices.
Own portfolio reporting and analytics, including grade migration, past-dues, exceptions, and coming-due maturities.
Identify cross-sell opportunities.
Partner with the Special Assets Group on credit requests as needed.
Lead or support initiatives to improve delivery of credit solutions for clients and prospects.