Portfolio Manager II - Middle Market

About the Role

The 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.

Responsibilities

• Oversight of credit-related responsibilities for 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 Managers 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 with day-to-day needs, contact meetings, and site visits. Direct client contact is expected.
• Client management in Salesforce.
• 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.
• 5+ 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 player who thrives in a fast-paced, collaborative environment and builds working relationships across the organization.
• Strong Microsoft Office skills, including Outlook, Excel, and PowerPoint, to produce reports, memos, and presentations.
• Passion for financial services and delivering superior client experiences.
• Proven leadership skills and community involvement.

Benefits

• 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
• Paid time off (PTO)