Portfolio Manager

Texas Capital Bank; Dallas, Northern (TX, KY); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Fertility and family building aids

Life and disability insurance

Retirement savings with 401K match

Paid leave

Paid holidays

PTO

Job summary

Texas Capital Bank, headquartered in Dallas, seeks a Sr. Portfolio Manager to own the underwriting process for the Private Wealth line, working with Analysts, Associates, and Relationship Managers to evaluate risks and identify cross-sell opportunities.

You will drive portfolio performance and lead deals from opportunity to close with minimal oversight. The role demands monitoring portfolio quality, coordinating with Credit and Lines of Business, and providing efficient client service while

Qualifications

• 8+ years’ experience in Commercial or Corporate Banking with formal Credit training.
• Exceptional writing, interpersonal and communication skills.
• Motivation, initiative and teamwork in a fast-paced, collaborative environment.
• Strong MS Office skills to produce reports and presentations.

Responsibilities

• Oversight of credit related responsibilities for the 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 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 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 of 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

Skills

Credit analysis

Relationship management

Communication skills

Leadership

MS Office Suite

Education

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

Tools

Salesforce

Excel

Outlook

PowerPoint

Job description

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow. While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long‑lasting relationships. Texas Capital provides a variety of benefits to colleagues, including 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, and paid time off (PTO). Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank 2024 by Bankrate and was named to The Dallas Morning News’ Dallas‑Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks.

Brief Overview of Position

The Sr. Portfolio Manager 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 Private Wealth 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. The Portfolio Manager is responsible for maximizing portfolio performance and is expected to have the ability to lead a deal from opportunity to close with little to no oversight. Responsibilities include monitoring the portfolio quality against established criteria and recommending adjustments to existing credit facilities as appropriate. The Portfolio Manager provides efficient follow‑up and spearheads processes to ensure best‑in‑class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business.

Responsibilities

To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail.

Key responsibilities include, but are not limited to:

• Oversight of credit related responsibilities for the 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 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 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 of 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 8+ 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 players who want to work in a fast‑paced, collaborative environment and build working relationships across the organization Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations Passion for financial services and delivering superior client experiences Proven leadership skills and community involvement

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.

Texas Capital is an Equal Opportunity Employer.

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big banks at a scale that makes sense for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow. While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long‑term objectives. At Texas Capital, we do more than build business success. We build long lasting relationships. Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named the #1 most trusted bank in the country on Newsweek’s inaugural list of America’s Most Trusted Companies