Portfolio Manager

Dallas, TX


The Portfolio Manager III position is responsible for gathering, analyzing, and interpreting financial and credit information in order to assess the creditworthiness of the company’s commercial customers, focusing on the company’s moderately complex credit relationships. The position assists Business/Commercial Bankers in supporting new and existing loan relationships with an emphasis on maximizing credit quality and minimizing risk.

Primary Responsibilities

 Review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information.

 Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections.

 Research pertinent industry and market information relevant to customers’ lines of business.

 Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship.

 Communicate key analytical finding and opinions to Business/Commercial Bankers, management or credit officers.

 Assist in monitoring credit files, such as periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed.

 Exercise independent judgement on client relationship credit analysis and take appropriate resulting action.

 Participate in departmental or company-wide projects. Seek and propose process improvements.

 Provide technical advice and assistance to Business/Commercial Bankers and customers.

 Assist as a lead in the review of work, training, and development of more junior Portfolio Managers.

 Attend joint calls with the Commercial Banker to gather more information about the business.

 Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria.

 Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC).

 Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

 Perform other duties as assigned.

Education / Experience Required

 Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field, in lieu of a degree, applicant must have a high school diploma or equivalent and have been in this discipline a minimum of 10+ years.

 7+ years of experience in credit analysis/portfolio management in a commercial lending environment required.

 Must possess sound area of underwriting in areas of commercial lending such as commercial real estate, commercial and industrial lending and SBA lending.

 Must possess proven ability to successfully understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.

 Must be proficient in Microsoft Office Suite.

 Must possess strong business math skills.

 Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing.

 Must possess ability to multi-task, prioritize and meet deadlines.

 Must have ability to work collaboratively by finding common ground to solve problems with the ability to represent his/her own opinion.

 Must remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to develop professionally.

 Must possess excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators.

 Must have the ability to travel to branch offices as needed.

 Must be able to work flexible hours.

 Must be bondable.

Working Conditions

Sedentary work.

Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.

Sedentary work involves sitting most of the time.

Some travel may be required. 

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