Commercial Portfolio Manager II

SB Simmons Bank; Fort Worth (TX); On-site; USD 100,000 - 150,000; Full time

Job summary

Simmons Bank in Fort Worth, TX seeks a Commercial Portfolio Manager II to grow the loan portfolio and manage client relationships through underwriting, monitoring, and ongoing service. You will collaborate with bankers, credit analysts, and legal teams to ensure timely, compliant financing solutions.

The role emphasizes strong communication, risk assessment, and leadership of junior staff, with a focus on complex transactions and portfolio performance across markets in Texas and the region.

Qualifications

• BS/BA degree or 5-7 years of prior applicable experience including credit analyst, commercial lender, portfolio manager.
• Experience in credit analysis, commercial lending, and portfolio management.
• Strong understanding of loan documentation and regulatory requirements.

Responsibilities

• Screen and underwrite new lending opportunities.
• Manage high volume/complex loans in an efficient manner.
• Prepare memoranda and facilitate underwriting of new transactions/ renewals.
• Collaborate with credit analysts, appraisal services, and loan administration.
• Coordinate with third‑party attorneys for loan documentation.

Skills

Portfolio management

Credit analysis

Underwriting

Client relationships

Financial analysis

Presentation skills

Leadership

Regulatory knowledge

MS Office

Education

BS/BA Degree in applicable field

Tools

MS Office

Job description

It’s fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business.

The Commercial Portfolio Manager II supports the portfolio growth by managing clients through the various stages of the lending process. Provides ongoing monitoring of assigned portfolios to ensure asset quality and customer service standards are met. The Commercial Portfolio Manager II is responsible for client relationships as well as on‑going sales and support of clients that allows the assigned bank officers to dedicate more time to sales efforts and new business and relationship development.

Key responsibilities of the position include day‑to‑day client interaction, screening, structuring, underwriting, and monitoring commercial relationships while adhering to the standards and policies set by the bank. This position often functions as an SME in market and a go‑to person for complex questions, challenges, or processes; typically acts as a peer leader to less experienced portfolio managers.

Essential Duties and Responsibilities

• Thorough understanding and ability to perform screening and underwriting of new, lending opportunities developed by the commercial banker and other commercial portfolio managers
• Ability to manage high volume and/or complexity of loans consistently and regularly in an efficient manner.
• Prepares memorandum and facilitates the underwriting of new transactions and/or renewals.
• Works directly with other internal departments including commercial credit analysts, appraisal services group and loan administration.
• Works directly with third‑party attorneys for loan documentation preparation.
• Ensures adherence to credit policy, guidelines and regulatory requirements.
• In some markets, perform in‑house appraisals and inspections on collateral.
• Assists in the lending and sales process by accompanying the lenders on customer and prospect calls.
• Responsible for ongoing portfolio review of past dues, exceptions and maturing loan reports.
• Reports past dues to officer or makes contact to collect payment.
• Works with officer to collect items needed for renewal processing.
• Makes appropriate recommendations for these accounts.
• Reports deteriorating credit situations to officer.
• Handles escalated exceptions.
• Ensures funding of construction loan disbursements in accordance with bank policy.
• Works closely with borrower, CCFG, title companies and other third parties to ensure accurate disbursements with ongoing monitoring and record keeping.
• Participates in evaluating risk rating and makes revision recommendations.
• Prepare Discussion Term Sheet.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned.

Skills

• Advanced experience supporting a commercial lending portfolio of $250MM or greater; comprised of a team of commercial bankers or an individual banker.
• Advanced experience in interpreting documents such as procedure manuals, general business correspondence and/or journals or government regulations.
• Ability to read, analyze and interpret financial report and/or legal documents.
• Advanced experience to write complex reports and business correspondence.
• Aptitude to respond in writing to customer complaints, regulatory agencies or members of the business community.
• In-depth and extensive experience in presenting information in one‑on‑one and small group situations, to customers, clients and other employees in the organization.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors.

Education and/or Experience

• BS/BA Degree in applicable field of study or 5-7 years’ prior applicable experience including credit analyst, commercial lender, portfolio manager.
• 7+ years’ prior applicable experience including credit analyst, commercial lender, portfolio manager.

Computer Skills MS Office programs

Certificates, Licenses, Registrations None Other

Skills Training

Formal Credit Training Communication, Critical Thinking, Problem Solving, Time Management, Sales, Presentation Skills Leadership

Equal Employment Opportunity Information

Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.

Simmons Bank is the subsidiary bank for Simmons First National Corporation (NASDAQ: SFNC), a publicly traded bank holding company headquartered in Arkansas. Founded as a community bank, Simmons Bank has grown steadily to its current size of $28 billion in assets, with more than 3,000 associates located in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Our growth has led to some amazing career opportunities, while our dynamic culture has been recognized by publications across our footprint. Parallel to our growth, Simmons Bank’s community roots run deep – these are felt in the ways we seek to go the extra mile for our customers and communities through exceptional service and volunteerism, and in the strong career growth opportunities and wellness programs we offer associates. Our team is characterized by collaboration, integrity and passion for all we do, high performance, and a commitment to personal and professional growth. If these cornerstones of company culture appeal to you, let’s talk! There’s never been a better time to join our team.