Portfolio Manager in Jacksonville

Austin Bank • Jacksonville, TX

1d

About The Position

The Portfolio Manager supports the administration and risk management of client relationships in compliance with Austin Bank credit policies, procedures, business strategy, and applicable commercial and regulatory guidelines. The position partners with the Relationship Manager as a client contact and liaises with the Credit Department, Real Estate Valuation Department, loan support staff, and other internal business partners. It helps maintain portfolio quality, supports lending and credit processes, and provides customer service while upholding the bank’s standards for ethics, integrity, and confidentiality.

The role also contributes to team and community relationships, stays current on company communications, and develops skills through ongoing training. Other duties may be assigned.

Responsibilities

• Understand and comply with regulatory requirements for financial transactions, particularly the Bank Secrecy Act (BSA) and Customer Identification Program (CIP), as they apply to the position.
• Provide superior customer service and build relationships that help customers find solutions to their banking and financial needs.
• Promote customer loyalty to Austin Bank.
• Contribute to a respectful, collaborative team environment and departmental goals; attend meetings and participate in discussions.
• Stay informed about company communications and use appropriate channels for bank-related business matters.
• Develop personal skills and capabilities through ongoing training, subject to company approval where applicable.
• Uphold and safeguard the organization’s values, including ethics, integrity, and confidentiality.
• Greet customers and provide customer service.
• Administer client portfolios and manage risk in accordance with Austin Bank credit policies, procedures, business strategy, and applicable commercial and regulatory guidelines.
• Partner with the Relationship Manager as a client contact and liaise with internal credit, valuation, loan support, and other business partners.
• Maintain portfolio quality by managing past-due accounts, overdrafts, insurance, policy exceptions, ticklers, covenants, loan agreements, borrowing bases, and n-drives.
• Assist lenders in obtaining financial information and required documentation; inform credit and lending teams about documentation issues and follow-up needs.
• Monitor loan repayments and borrowers’ financial condition; take action to collect past-due accounts and assess ongoing repayment ability.
• Present specific loans and participate in the Loan Approval Process, recommending approval and appropriate credit structures.
• Assist with cash-flow preparation and spreads for relationships under $500,000.
• Provide backup support to the Credit Analyst Department when needed.
• Conduct periodic reviews, update files, and purge files when necessary.
• Review appraisals and loan documents before closing.
• Attend loan closings and customer meetings.
• Perform inspections.
• Identify cross-selling opportunities for bank products, including Treasury Management and Austin Bank Financial Services.
• Participate in community and business functions or groups to support a positive image for the bank.
• Attend scheduled planning sessions.
• Perform other duties as assigned.

What This Job Offers

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