Portfolio Manager

Glacier Bancorp, Inc.•Rockwall, TX

19d

About The Position

Guaranty Bank and Trust is seeking a full-time Commercial Portfolio Manager to serve as the primary credit and portfolio support partner to a Commercial Loan Officer. The role supports responsive, well-structured commercial lending while maintaining credit quality and regulatory compliance. The manager works with loan officers, credit leadership, and operations to analyze credit requests, manage existing loan portfolios, and ensure timely, accurate underwriting and ongoing monitoring. The position includes underwriting and credit analysis, management and monitoring of an assigned commercial loan portfolio, customer and internal collaboration, policy and compliance responsibilities, and participation in lending-related projects. It may involve extended hours or off-site travel when required or requested by management.

Requirements

Bachelor’s degree in Finance, Accounting, Business, or a related field.
Minimum 3–5 years of experience in commercial credit analysis, portfolio management, or commercial banking.
Strong working knowledge of commercial loan structures, financial analysis, and cash flow underwriting.
Proficiency in financial statement spreading and global cash flow analysis.
Intermediate to advanced Excel skills, including pivot tables, formulas, and financial models.
Ability to analyze data, identify trends, and communicate credit risk clearly and concisely.
Strong organizational skills and ability to manage multiple priorities and deadlines.
Excellent written and verbal communication skills.
Collaborative mindset and commitment to relationship-based banking.
Regular, reliable, and timely attendance.
Ability to meet the job’s physical demands, including sitting, repetitive hand use, talking or hearing, occasional standing, walking, and lifting or reaching with hands and arms; climbing or descending stairs in an emergency; and close visual acuity for computer work, reading, and data analysis.
Must be legally authorized to work in the United States; the company does not sponsor work visas.

Nice To Haves

nCino experience.

Responsibilities

Serve as the primary credit support resource for assigned Commercial Loan Officer(s).
Analyze new and existing commercial credit relationships and recommend structures, terms, covenants, and risk ratings.
Prepare comprehensive Credit Approval Memorandums for commercial borrowers, including large and complex credit requests.
Evaluate borrower and guarantor financial statements, tax returns, cash flow, global debt service coverage, and liquidity.
Review third-party appraisals, environmental reports, business valuations, and credit bureau reports.
Manage an assigned commercial loan portfolio, including covenant tracking, borrowing base analysis, annual reviews, and past-due monitoring.
Perform periodic portfolio reviews based on risk grade, exposure size, and regulatory requirements.
Identify emerging risks and partner with loan officers to recommend mitigation strategies.
Ensure accurate risk ratings and ongoing compliance with loan policy and regulatory standards.
Work directly with commercial customers, as needed, to clarify financial information and support loan requests.
Partner with Commercial Loan Officers to deliver timely, high-quality credit decisions and customer solutions.
Coordinate with Credit Administration, Loan Operations, Treasury, and Compliance throughout the loan lifecycle, from origination through closing and servicing.
Assist in training and mentoring new employees and support team knowledge-sharing.
Ensure credit activities comply with federal, state, and local regulations and Guaranty Bank and Trust and Glacier Bank policies and procedures.
Participate in periodic reviews of lending policies, procedures, and portfolio management practices, and recommend enhancements as appropriate.
Prepare and distribute portfolio, risk, and management reports as requested.
Complete required regulatory and compliance training.
Participate in special lending-related projects, portfolio initiatives, and internal meetings as assigned.
Operate routine office equipment and perform computer-based work, averaging 6–8 hours per day when necessary.
Work extended hours or travel off site whenever required or requested by management.

Benefits

Medical, dental, vision, and life insurance for employees and eligible dependents, subject to plan documents.
Health savings account option.
Employee Assistance Program (EAP).
Health rewards program.
Retirement savings plan, including 401(k) and Profit-Sharing plans.
Short- and long-term disability benefits.
Education and training benefits.
Discounts on banking products and services.
Paid Time Off (PTO) plan.
Paid holidays; most full-time employees are offered six paid holidays, and part-time employees receive prorated paid holidays.
Employees in Utah and Nevada may be eligible for pay for certain state-recognized holidays.