Homebuilder Portfolio Manager & Credit Lead

Texas Capital Bank; Dallas (TX); On-site; USD 110,000 - 150,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Fertility and family benefits

Life and disability insurance

401(k) match

Paid time off

Paid holidays

Job summary

Texas Capital Bank is seeking a Portfolio Manager I to lead the underwriting for the Homebuilder portfolio within our Real Estate line of business. You will own the credit approval process, coordinate with Analysts and Relationship Managers, and drive risk management across the portfolio.

The role emphasizes strong client interaction, portfolio monitoring, and collaboration with Credit and Line of Business teams to deliver best-in-class credit solutions.

Qualifications

• 3+ years' experience in Commercial or Corporate Banking with formal Credit training.
• Bachelor's degree in Finance, Accounting, Commercial Banking or equivalent.
• Exceptional writing, interpersonal and communication skills.
• Strong MS Office (Outlook, Excel, PowerPoint) to produce reports and memos.

Responsibilities

• Oversee credit-related responsibilities for Analysts and Associates, including financial statement spreading and validation of 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.
• 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
• Oversight of macroeconomic conditions, industry trends and changes in lending practices
• Ownership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities
• Identify cross-sell opportunities
• Partner with Special Assets Group for credit requests (as needed)
• Lead and/or support initiatives to improve delivery of credit solutions for clients and prospects

Skills

Writing

Interpersonal skills

Communication

Team player

Microsoft Office

Excel

PowerPoint

Education

Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent

Job description

Texas Capital Bank is seeking a Portfolio Manager I to lead the underwriting for the Homebuilder portfolio within our Real Estate line of business. You will own the credit approval process, coordinate with Analysts and Relationship Managers, and drive risk management across the portfolio.

The role emphasizes strong client interaction, portfolio monitoring, and collaboration with Credit and Line of Business teams to deliver best-in-class credit solutions.