Portfolio Manager (Full Time) - Central Texas

Position Purpose

Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships.

Essential Functions and Basic Duties

• Aid in due diligence/analysis of new client relationships and opportunity memos as appropriate.
• Manage the renewal process by working with the Relationship Manager, the client, & the credit department.
• Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process.
• Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
• Coordinate the loan closing process for new and existing loan relationships (i.e. working with both outside counsel and internal document preparation groups, reviewing loan documents, closing loans with clients).
• Support the Relationship Manager in business development calling efforts.
• Maintain and oversee small loan/deposit portfolios.
• Ensure the portfolio administration and risk management of each client relationship follows the established credit policy, procedure, and business strategy as well as regulatory guidelines.
• Perform annual loan reviews as needed.
• Partner with the Relationship Manager as a point of contact for existing and prospective clients; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.
• Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
• Agreeable to work overtime as needed based on work assigned in order to meet deadlines provided.
• Participate in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
• Perform other duties and special projects as needed.

Qualifications

• Education/Certification: Bachelor’s degree (business concentration preferred)
• Required Knowledge: Proficient with Microsoft Word, Excel, Power Point as well as some form of financial spreading software
• Experience Required: Has 2-3 years of banking experience, primarily related to credit analysis/underwriting
• Skills/Abilities: Demonstrates strong written and analytical skills, strong understanding of credit policy and procedures, makes appropriate judgments and decisions with limited guidance, possesses strong public speaking and presentation skills, maintains confidentiality and instills trust within the organization, proficient in Microsoft Word, Excel, and PowerPoint, able to multitask is essential