Portfolio Manager: Credit Analysis & Relationship Growth

Farm Credit Bank of Texas; Austin (TX); On-site; USD 90,000 - 140,000; Full time

Job summary

Farm Credit Bank of Texas, headquartered in Austin, TX, seeks a Portfolio Manager to support the growth, management, and ongoing servicing of the loan participation portfolio. The role collaborates with Capital Markets Directors, lenders, and internal teams to evaluate opportunities, coordinate execution, monitor performance, and uphold credit quality and customer service standards.

As a key liaison among lending, credit, legal, syndications, and loan administration, you will handle the full

Qualifications

• Bachelor's degree in Finance, Agribusiness, Business Administration, or a related field.
• 7–10 years of experience in commercial credit, lending, portfolio management, banking, agricultural finance, or related financial services roles.
• Strong understanding of commercial lending, credit analysis, financial statement analysis, and portfolio management principles.
• Experience reviewing and interpreting financial statements, loan agreements, appraisals, tax returns, and related credit documentation.
• Ability to analyze complex transactions and identify key business, credit, and structural risks.
• Strong organizational skills with the ability to manage multiple projects, priorities, and deadlines simultaneously.
• Demonstrated ability to exercise sound business judgment.

Responsibilities

• Support growth and servicing of a portfolio of loan participations by partnering with Capital Markets Directors and internal stakeholders.
• Evaluate new participation opportunities through analysis of financial statements, borrower performance, industry trends, credit risks, loan structures, and eligibility requirements.
• Assist in developing transaction recommendations and supporting documentation for internal approval processes.
• Coordinate participation approval activities and facilitate communication among credit, legal, syndications, lending, and loan administration teams.
• Review credit agreements and related loan documents to identify key terms, covenants, reporting requirements, borrower obligations, and risk considerations.
• Monitor portfolio performance and borrower compliance with financial covenants, reporting requirements, and loan terms.
• Support relationship management activities with originating lenders and other counterparties.
• Maintain accurate portfolio, transaction, and servicing information within reporting and monitoring systems.
• Manage multiple priorities and deadlines while ensuring commitments, servicing activities, and portfolio monitoring responsibilities are completed timely and accurately.
• Assist with portfolio reporting, transaction updates, and management presentations.
• Participate in customer meetings, internal discussions, and occasional travel to support portfolio and relationship management activities.
• Collaborate with Capital Markets Directors and team members to identify opportunities that support portfolio growth, diversification, and profitability objectives.

Skills

Credit analysis

Portfolio management

Relationship management

Commercial lending

Education

Bachelor's degree in Finance or related field

Job description

Farm Credit Bank of Texas, headquartered in Austin, TX, seeks a Portfolio Manager to support the growth, management, and ongoing servicing of the loan participation portfolio. The role collaborates with Capital Markets Directors, lenders, and internal teams to evaluate opportunities, coordinate execution, monitor performance, and uphold credit quality and customer service standards.

As a key liaison among lending, credit, legal, syndications, and loan administration, you will handle the full