Portfolio Manager

Who We Are

Farm Credit Bank of Texas is a $42.2 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states and are active in the nation’s capital markets. While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply—an industry that is among the most innovative and evolving of our time. We deliver on our mission while offering competitive compensation, generous health and wellness benefits, and a collaborative workplace culture.

Position Description

The Portfolio Manager supports the growth, management, and ongoing servicing of the Bank’s loan participation portfolio. Working closely with Capital Markets Directors, lending partners, and internal stakeholders, the role evaluates participation opportunities, coordinates transaction execution, monitors portfolio performance, and helps ensure credit quality and customer‑service standards are maintained. As part of the Capital Markets team, the Portfolio Manager supports the full lifecycle of loan participation transactions—from opportunity evaluation and underwriting support through approval coordination, portfolio monitoring, and ongoing relationship management. The role serves as a key liaison among lending, credit, legal, syndications, and loan‑administration teams to facilitate successful transaction execution and portfolio management, combining credit analysis, portfolio management, transaction coordination, and relationship support responsibilities.

Responsibilities

• Support the growth and servicing of a portfolio of loan participations by partnering with Capital Markets Directors and internal stakeholders.
• Evaluate new participation opportunities through analysis of financial statements, borrower performance, industry trends, credit risks, loan structures, and eligibility requirements.
• Assist in developing transaction recommendations and supporting documentation for internal approval processes.
• Coordinate participation approval activities and facilitate communication among credit, legal, syndications, lending, and loan‑administration teams.
• Review credit agreements and related loan documents to identify key terms, covenants, reporting requirements, borrower obligations, and risk considerations.
• Monitor portfolio performance and borrower compliance with financial covenants, reporting requirements, and loan terms.
• Support relationship‑management activities with originating lenders and other counterparties.
• Maintain accurate portfolio, transaction, and servicing information within reporting and monitoring systems.
• Manage multiple priorities and deadlines while ensuring commitments, servicing activities, and portfolio‑monitoring responsibilities are completed timely and accurately.
• Assist with portfolio reporting, transaction updates, and management presentations.
• Participate in customer meetings, internal discussions, and occasional travel to support portfolio and relationship‑management activities.
• Collaborate with Capital Markets Directors and team members to identify opportunities that support portfolio growth, diversification, and profitability objectives.

Requirements

• Bachelor’s degree in Finance, Agribusiness, Business Administration, or a related field.
• Seven (7) to ten (10) years of experience in commercial credit, lending, portfolio management, banking, agricultural finance, or a related financial‑services role.
• Strong understanding of commercial lending, credit analysis, financial‑statement analysis, and portfolio‑management principles.
• Experience reviewing and interpreting financial statements, loan agreements, appraisals, tax returns, and related credit documentation.
• Ability to analyze complex transactions and identify key business, credit, and structural risks.
• Strong organizational skills with the ability to manage multiple projects, priorities, and deadlines simultaneously.
• Demonstrated ability to exercise sound business judgment and make recommendations based on data and analysis.
• Strong verbal, written, and interpersonal communication skills.
• Ability to present findings and recommendations effectively to stakeholders, management, and business partners.
• Ability to work independently while collaborating effectively across cross‑functional teams.
• Commitment to providing exceptional customer service and maintaining strong professional relationships.

Preferred Experience

• Experience within the Farm Credit System.
• Advanced degree in Finance, Agribusiness, Business Administration, Economics, or a related field.
• Experience with syndicated lending, loan participations, capital‑markets activities, or structured‑finance transactions.
• Experience working with agribusiness, commercial agriculture, or rural‑infrastructure borrowers.
• Experience supporting relationship‑management activities with lending institutions and financial partners.
• Knowledge of commercial loan documentation, covenant monitoring, and portfolio‑risk‑management practices.

Benefits

• Competitive salary.
• Comprehensive, affordable health and wellness benefit options.
• 401(k) plan with immediate vesting and generous employer contributions.
• Long‑term disability and life insurance.
• Vacation leave, sick leave, and paid holidays.
• Fertility benefit and parental‑leave plan.
• Volunteer time off.
• Professional development opportunities.
• Tuition‑reimbursement program.
• Physical‑fitness incentive plan.
• Employer‑matching gifts program.