Portfolio Manager II

First Financial Bank; Duncan (OK); On-site; USD 120,000 - 170,000; Full time

Job summary

First Financial Bank in Fort Worth, TX seeks an experienced credit professional to support underwriting and ongoing risk management of high-exposure loan relationships. You will work with Commercial Lending, Credit Administration, Credit Analysis, and Loan Review teams to maintain strong credit quality.

The role emphasizes origination support, monitoring, and collaboration with the Chief Credit Officer to grow middle-market lending while maintaining policy controls.

Qualifications

• Formally credit trained with experience and judgment in credit decisions and analysis.
• Minimum ten years’ experience with limited supervision.
• Ability to grasp C&I, C&D, and CRE concepts and structures.
• Ability to prepare comprehensive, cohesive, detailed written analysis and narrative.
• Demonstrated strong written and oral communication skills.
• Familiar with PCs and Microsoft applications (Excel, PowerPoint, Word).

Responsibilities

• Portfolio management and oversight with senior lenders and risk staff.
• Analyze financials of existing relationships and prepare memos and approvals.
• Review loan documents to ensure alignment with terms and covenants.
• Monitor financial covenants and reporting as required by loan agreements.
• Coordinate with Credit Officers, Credit Administrators, and Loan Review teams.
• Prepare and present analyses to lenders and senior management.
• Assist with audits and risk reviews and remediation steps.

Skills

Credit underwriting

Credit analysis

Written communication

Oral communication

Microsoft Excel

PowerPoint

Word

Education

Bachelor’s degree in accounting, finance, or business administration

Job description

Address We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description

Office Location: Fort Worth, Texas, United States

SCOPE/CONTACTS

• The primary function of the position is working with the SVP of Portfolio Management and the EVP of Commercial Banking on credit underwriting and post-closing/ongoing risk management of higher exposure loan relationships within the organization.
• Additional functions include collaboration with the Corporate Lending, Credit Administration, Credit Analysis, and Loan Review teams to maintain high quality credit and risk management for the Bank’s Loan Portfolio.
• The primary function is the origination support and ongoing risk management of higher exposure loan relationships to reduce the likelihood of significant losses due to defaults.
• Preferred experience includes loan structuring, closing, monitoring, and workout to ensure the loan portfolio is maintained with the highest level of oversight.
• The position would also partner with the Chief Credit Officer and Credit Administrators to build future middle market lenders within the organization.

ESSENTIAL FUNCTIONS

• Portfolio Management
• Work directly with Commercial Lenders in every Bank market on certain credits requiring advanced expertise and monitoring
• Work closely with Credit Administrators and Chief Credit Officer to ensure oversight and portfolio maintenance adheres with Bank credit policy and risk appetite
• Financial Reporting and Financial Covenant monitoring/tracking of certain credits as assigned
• Calculate Financial Covenant ratios within the parameters of Loan Agreements and reconcile discrepancies between the Bank and borrowers
• Obtain financial information from clients within parameters of Loan Agreements
• Analyze financials on existing relationships and prepare updated loan file memos and approval memos
• Review Closing Documents to ensure alignment with approved terms by loan committee
• Review Loan Agreements to ensure all necessary Financial Covenants, Reporting Requirements, and other requirements are clearly and correctly defined
• Work with Lenders to correct any discrepancies/inconsistencies between approved terms and Loan Agreements
• Direct the monthly Annual Review process to ensure timely completion of higher exposure loan relationships within the organization
• Generate financial ratios, using computer programs, to evaluate customers’ financial status
• Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
• Keep up to date with company’s lending protocols
• Other Tasks
• Manage Borrowing Base monitoring.
• Review monthly borrowing bases and instruct Loan Operations to cap availability in Jack Henry Direct Problem Loan Reports process quarterly and coordinate on classified loans over $750M
• Prepare and deliver informational presentations to Lenders and Senior Management
• Create legal documentation due to an Event of Default
• Assist with any audits/risk reviews, including coordinate responses, monitor action steps for remediation, etc.
• Develop and maintain a positive rapport with the Credit/Risk Management Team and adhere to policy standards within the loan portfolio
• Assist the team during vacations/absences as necessary
• Provide sales & customer service support as necessary, be available for joint calling efforts with the team and Senior Management
• Communicate with customers on behalf of the Bank

MINIMUM QUALIFICATIONS

• Bachelor’s degree in accounting, finance, or business administration with a minimum level of accounting background
• Formally credit trained and demonstrated experience and judgment with credit decisions and analysis
• Minimum ten years’ experience working with limited supervision
• Demonstrated experience, knowledge and judgment with structure, credit decisions, and analysis
• Able to grasp and understand C&I, C&D, and CRE concepts and structures
• Able to prepare comprehensive, cohesive, detailed written analysis and narrative
• Demonstrated above average written and oral communication skills
• Familiar with PCs and PC software, specifically Microsoft applications (Excel, PowerPoint, Word, etc.)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

What Makes Us Unique?

You. Since 1890, First Financial has been serving the financial needs of customers in every neighborhood, just like yours. Not just through good times, but during difficult years too. We survived the Great Depression, the collapse of the Texas economy in the 1980s, and the Great Recession. Throughout it all, we remain a place of stability and trust for our customers. While other banks have come and gone, First Financial continues to grow through acquisitions, new branches, and the expansion of our services. It goes without saying, First Financial is not your everyday bank. Our “One Bank, Multiple Regions” concept combines the best of “Big Bank” customer benefits with the local decision making and involvement of a community bank. The Company includes multiple banking regions with 79 convenient locations throughout Texas, and we offer convenient banking options with a local, personal touch. And because we’re one bank, you can visit any of our locations and receive the same friendly service. Much of our success comes from the lifelong relationships we’ve built with people just like you. Providing excellent customer service and education is the focus of everything we do. Our customer education includes training to understand how to improve credit, apply for a home loan, and utilize our products and services. Every day we’re here to help you make sound financial decisions. And don’t be surprised if you step through the door and see a familiar face. Many of our employees are leaders in the community. After all, being involved with the community is an important part of who we are. Discover for yourself how at First Financial, it’s You First.