Portfolio Manager

Texas Capital Bank•Dallas, TX

About The Position

The Portfolio Manager II is part of 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 risk and identify cross-sell opportunities. The Portfolio Manager is expected to lead deals from opportunity through closing with little to no oversight and to maximize portfolio performance by monitoring credit quality and recommending adjustments to existing facilities. The position also serves as an internal consultant and liaison between Credit and the line of business, supporting efficient follow-up and high-quality customer service. It involves direct client contact, portfolio oversight and reporting, credit approval ownership, and collaboration on initiatives to improve delivery of 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.
Strong Microsoft Office skills, including Outlook, Excel, and PowerPoint, for producing reports, memos, and presentations.
Motivation and initiative.
Ability to work effectively as part of a team in a fast-paced, collaborative environment and build working relationships across the organization.
Passion for financial services and delivering superior client experiences.
Proven leadership skills and community involvement.

Responsibilities

Oversee credit-related work by Analysts and Associates, 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 each credit request and recommend potential mitigants.
Identify policy exceptions.
Direct and manage portfolio reviews.
Validate covenant compliance and manage covenants.
Own post-approval modifications to ensure accurate reporting of credit exposure.
Manage client relationships, assist with day-to-day needs, hold contact meetings, and conduct site visits; direct client contact is expected.
Manage client information in Salesforce.
Analyze macroeconomic conditions, industry trends, and changes in lending practices.
Own portfolio reporting and analytics, including grade migration, past-due accounts, exceptions, and upcoming 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.
Process large amounts of information, communicate clearly and concisely, develop innovative client solutions, and maintain strong attention to detail.