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Full-time
bachelor degree
Health Insurance, Wellness Program, Fertility And Family Building Aids, Life Insurance, Disability Insurance, Retirement Savings Plans
Posted 60d ago
~40 hrs/week
Responsibilities
The Portfolio Manager owns the underwriting process for the Homebuilder portfolio and manages credit requests from opportunity to close. They are responsible for monitoring portfolio quality, assessing risk ratings, and ensuring covenant compliance while serving as a liaison between Credit and the Line of Business.
Requirements
Candidates must have a bachelor's degree in Finance, Accounting, or Commercial Banking and at least 3 years of experience in Commercial or Corporate Banking with formal credit training. Strong communication skills and proficiency in Microsoft Office are required to manage client relationships and produce financial reports.
Full job description
Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.
Brief Overview of Position
The Portfolio Manager I 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 Homebuilder portfolio within the Real Estate line of business. 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.
Responsibilities
To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Key responsibilities include, but are not limited to:
Oversight of credit related responsibilities for the Analysts and Associates, including financial statement spreading and validation of various underwriting models
Responsible for risk rating assessment and periodic relationship reviews
Partner with Relationship Manager in credit agreement review and negotiation
Ownership 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 identification
Direct and manage portfolio reviews
Validate covenant compliance and covenant management
Ownership of post-approval modifications to ensure accurate reporting of credit exposure
Client management, including assisting of day-to-day needs, contact meetings, and site visits. Direct client contact is expected.
Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices
Ownership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities, etc.
Identify cross-sell opportunities
Partner 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 prospects
Qualifications
Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent/relevant program
3+ years’ experience in Commercial or Corporate Banking with formal Credit training.
Exceptional writing, interpersonal and communication skills
Extraordinary levels of motivation and initiative
Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations
Passion for financial services and delivering superior client experiences
Proven leadership skills and community involvement
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.
Since our founding in 1998, Texas Capital remains impassioned by the spirit of entrepreneurship and innovation. Our reputation as a respected financial institution is embodied by who we are and how we do business. Our team is comprised of experienced and groundbreaking thinkers, empowered to focus on what matters. We are consistent in our commitment to building trusted relationships and producing exceptional outcomes as Texas’s premier full-service financial firm. We stay a step ahead by generating and embracing great ideas. We merge financial expertise and distinct experience to think creatively, which enables us to identify opportunities and craft market-leading products designed to enhance your portfolio.
Our client-centric culture thrives because we attract, develop and engage the most experienced and diverse experts in their fields. Over the years, we've developed a supportive culture that values collaboration, rewards performance and respects the well-being of its team members. We know our people are our greatest asset, so we give them the resources and support they need to be successful. Our personal approach has enabled us to deliver exceptional value for our clients for more than two decades — an achievement we’re proud to continue.
Explore a career at Texas Capital Bank: https://www.texascapitalbank.com/who-we-are/careers
Texas Capital is the collective brand name for Texas Capital Bank and its separate, non-bank affiliates and wholly owned subsidiaries. Please visit texascapital.com to learn more about Texas Capital, its products and services, and the respective entities that offer each. For deposit products, Member FDIC.
Texas Capital and its subsidiaries are equal opportunity employers and do not discriminate on the basis of any protected trait including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status. https://www.texascapitalbank.com/equal-employment-opportunity-policy
Offices: 2000 McKinney, Suite 700, Dallas, TX 75201, US · 98 San Jacinto Blvd., Suite 150, Austin, TX 78701, US · 300 Throckmorton, Suite 200, Fort Worth, TX 76102, US · 1330 Post Oak Blvd., Suite 1700, Houston, TX 77056, US · 745 East Mulberry, Suite 350, San Antonio, TX 78212, US
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