Portfolio Manager

Guaranty Bank & Trust; Denton (TX); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

401(k) & Profit sharing

Paid time off

Job summary

Guaranty Bank & Trust in Denton, TX seeks a Full-Time Commercial Portfolio Manager to be the primary credit and portfolio support for a Commercial Loan Officer. You will deliver well-structured lending solutions while maintaining credit quality and regulatory compliance.

You will analyze credit relationships, prepare CAMs, evaluate financial statements, and monitor covenant tracking. Collaborate with Loan Officers and internal teams to drive timely, high-quality credit decisions and customer

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field.
• 3–5 years of experience in commercial credit analysis, portfolio management, or commercial banking.
• nCino experience preferred.

Responsibilities

• Serve as primary credit support for the Commercial Loan Officer(s).
• Analyze new and existing commercial credits and recommend structure, terms, covenants, and risk ratings.
• Prepare Credit Approval Memorandums (CAM) for commercial borrowers, including large/complex requests.
• Evaluate borrower and guarantor financial statements, tax returns, cash flow, and liquidity.
• Monitor portfolio risk with covenant tracking, annual reviews, and past-due monitoring.
• Collaborate with Credit Administration, Loan Operations, Treasury, and Compliance throughout the loan lifecycle.

Skills

Credit analysis

Portfolio management

Financial analysis

Cash flow underwriting

Excel

Regulatory compliance

Education

Bachelor’s degree in Finance, Accounting, or related field

Tools

nCino

Job description

POSITION SUMMARY

Guaranty Bank and Trust is seeking a Full-Time Commercial Portfolio Manager to serve as the primary credit and portfolio support partner to a Commercial Loan Officer. This role is critical to delivering responsive, well-structured commercial lending solutions while maintaining strong credit quality and regulatory compliance.

KEY RESPONSIBILITIES

CREDIT ANALYSIS & UNDERWRITING SUPPORT

• Serve as the primary credit support resource for assigned Commercial Loan Officer(s).
• Analyze new and existing commercial credit relationships and provide recommendations on structure, terms, covenants, and risk ratings.
• Prepare comprehensive Credit Approval Memorandums (CAM) for commercial borrowers, including large and complex credit requests.
• Evaluate borrower and guarantor financial statements, tax returns, cash flow, global debt service coverage, and liquidity.
• Review third-party reports including appraisals, environmental reports, business valuations, and credit bureau reports.

PORTFOLIO MANAGEMENT & MONITORING

• Manage an assigned commercial loan portfolio, including covenant tracking, borrowing base analysis, annual reviews, and past-due monitoring.
• Perform periodic portfolio reviews based on risk grade, exposure size, and regulatory requirements.
• Proactively identify emerging risks and partner with loan officers to recommend mitigation strategies.
• Ensure accurate risk ratings and ongoing compliance with loan policy and regulatory standards.

RELATIONSHIP & INTERNAL COLLABORATION

• Work directly with commercial customers, as needed, to clarify financial information and support loan requests.
• Partner closely with Commercial Loan Officers to deliver timely, high-quality credit decisions and customer solutions.
• Coordinate with internal teams including Credit Administration, Loan Operations, Treasury, and Compliance throughout the loan lifecycle - from origination through closing and servicing.
• Assist in training and mentoring new employees and supporting team knowledge-sharing.

POLICY, COMPLIANCE & REPORTING

• Ensure all credit activities comply with federal, state, and local regulations, as well as Guaranty Bank and Trust and Glacier Bank policies and procedures.
• Participate in periodic reviews of lending policies, procedures, and portfolio management practices; recommend enhancements as appropriate.
• Prepare and distribute portfolio, risk, and management reports as requested.
• Complete all required regulatory and compliance training.

ADDITIONAL RESPONSIBILITIES

• Participate in special lending-related projects, portfolio initiatives, and internal meetings as assigned.

QUALIFICATIONS

EDUCATION & EXPERIENCE

• Bachelor’s degree in Finance, Accounting, Business, or a related field required.
• Minimum 3-5 years of experience in commercial credit analysis, portfolio management, or commercial banking.
• nCino experience preferred.

SKILLS & COMPETENCIES

• Strong working knowledge of commercial loan structures, financial analysis, and cash flow underwriting.
• Proficiency in financial statement spreading and global cash flow analysis.
• Intermediate to advanced Excel skills, including pivot tables, formulas, and financial models.
• Ability to analyze data, identify trends, and communicate credit risk clearly and concisely.
• Strong organizational skills with the ability to manage multiple priorities and deadlines.
• Excellent written and verbal communication skills.
• Collaborative mindset with a strong commitment to relationship-based banking.

WHY GUARANTY BANK AND TRUST

At Guaranty Bank and Trust, we believe strong relationships, disciplined credit practices, and teamwork drive long-term success. We offer a collaborative culture where professionals are empowered to contribute, grow, and make an impact—for our customers, our communities, and each other.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation. Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

WHAT WE OFFER

COMPENSATION & BENEFITS

Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.