Portfolio Manager IIThe Portfolio Manager II role is positioned within Credit Administration and is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.This position will support the Middle Market line of business within the bank. The Portfolio Manager owns the underwriting process for all credit requests, working closely with Analysts, Associates, and Relationship Managers to determine and evaluate potential risks and identify cross-sell opportunities. The Portfolio Manager is responsible for maximizing portfolio performance and is expected to have the ability to lead a deal from opportunity to close with little to no oversight.
Responsibilities include monitoring the portfolio quality against established criteria and recommending adjustments to existing credit facilities as appropriate. The Portfolio Manager provides efficient follow-up and spearheads processes to ensure best-in-class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business.ResponsibilitiesOversight of credit related responsibilities for the Analysts and Associates, including financial statement spreading and validation of various underwriting modelsResponsible for risk rating assessment and periodic relationship reviewsPartner with Relationship Manager in credit agreement review and negotiationOwnership of all credit approvals (new customers, modifications, renewals, increases, risk assessments)Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks.Ownership of policy exception identificationDirect and manage portfolio reviewsValidate covenant compliance and covenant managementOwnership of post-approval modifications to ensure accurate reporting of credit exposureClient management, including assisting of day-to-day needs, contact meetings, and site visits. Direct client contact is expected.Client management in SalesForceOversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practicesOwnership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities, etc.Identify cross-sell opportunitiesPartner with Special Assets Group for credit requests (as needed)Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospectsQualificationsBachelor's degree in Finance, Accounting, Commercial Banking or equivalent/relevant program5+ years' experience in Commercial or Corporate Banking with formal Credit training.Exceptional writing, interpersonal and communication skillsExtraordinary levels of motivation and initiativeEffective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organizationStrong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentationsPassion for financial services and delivering superior client experiencesProven leadership skills and community involvement