Portfolio Manager

Texas Capital Bank; United States; On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Wellness program

401K match

Paid time off

Paid holidays

Job summary

Texas Capital Bank is seeking a Portfolio Manager II within Credit Administration to support the Corporate line of business. You will own the underwriting process for credit requests, working with Analysts, Associates and Relationship Managers to assess risks and identify cross-sell opportunities.

You will lead deal execution from opportunity to close with limited oversight and drive portfolio performance while delivering superior client service.

Qualifications

• Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent program.
• 5+ years’ experience in Commercial or Corporate Banking with formal Credit training.
• Exceptional writing, interpersonal and communication skills.
• Motivation and initiative; ability to work in a fast-paced, collaborative environment.

Responsibilities

• Oversee underwriting for Analysts and Associates and validate models.
• Assess risk ratings and conduct periodic relationship reviews.
• Partner with Relationship Managers on credit review and negotiations.
• Own approvals for new customers, modifications, renewals, increases and risk assessments.
• Identify cross-sell opportunities and monitor covenant compliance.
• Lead portfolio reviews and reporting on exposure and performance.

Skills

Exceptional writing

Interpersonal skills

Communication skills

Team player

Motivation and initiative

MS Office proficiency

Education

Bachelor’s degree in Finance/Business

Tools

Salesforce

Microsoft Excel

PowerPoint

Job description

Company Overview

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‑term objectives. At Texas Capital, we do more than build business success. We build 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
• paid time off (PTO)

Texas Capital is headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano, San Antonio, Chicago, Los Angeles and New York.

For more information about joining our team, please visit us at www.texascapital.com.

Brief Overview of Position

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 Corporate 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
• 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 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 the premier full‑service financial services firm founded and headquartered in Texas, delivering customized solutions to institutions, businesses, entrepreneurs and individual customers across the United States. Founded in 1998, Texas Capital is headquartered in Dallas with offices in Austin, Fort Worth, Houston, San Antonio, Chicago, Los Angeles and New York City. With the capital, liquidity and products to support our clients through any market condition, Texas Capital has established consumer banking, commercial banking, corporate and investment banking, treasury solutions and wealth management capabilities. At Texas Capital, we believe that ambition deserves a trusted partner. Together, we can transform bold ideas into enduring results. Learn more about Texas Capital’s values, culture, benefits and more by visiting texascapitalbank.com/who-we-are/careers.

Texas Capital offers competitive compensation based on experience, skill set and location. Eligible roles may receive commission‑based pay and/or discretionary incentive compensation. The firm also has a robust benefits package, 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, paid time off (PTO), opportunities to purchase company stock and access to employee banking products, including a financial health check. Additional details about compensation and Texas Capital’s benefits package will be provided during the hiring process.

Texas Capital is an Equal Opportunity Employer, including Disability/Veterans.