Portfolio Manager III

Business First Bank; Houston (TX); On-site; USD 110,000 - 180,000; Full time

Job summary

b1BANK seeks a Portfolio Manager III to lead financial analyses, underwrite corporate credit requests, and monitor risk across a portfolio of clients. This role guides lenders, structures transactions, and ensures compliant credit documentation and reporting.

You will gather financial data, model performance, and present findings to clients and internal stakeholders, maintaining asset quality and data integrity across the bank’s systems.

Qualifications

• Bachelor’s degree in finance, accounting, economics or related field is required.
• MBA preferred.
• 7–10 years of commercial underwriting experience.
• 3–5 years of C&I underwriting experience.
• Demonstrated competence in financial analysis and modeling.
• Strong research, data gathering and concise synthesis of information.

Responsibilities

• Gather and analyze financial data for clients and prospects, including financial spreads and ratios.
• Model future financial performance, including downside scenarios.
• Lead structuring discussions with lenders and act as a financial advisor to clients.
• Prepare comprehensive underwriting documents identifying risks and mitigants.
• Ensure regulatory compliance and monitor covenant compliance across portfolios.
• Maintain and verify legal documentation to reflect approvals.
• Manage approvals for complex lending commitments and amendments.
• Establish and maintain direct client relationships and identify new opportunities.

Skills

Financial analysis

Financial modeling

Leadership

Presentation skills

Communication

Data synthesis

Education

Bachelor's degree in finance or related field

MBA preferred

Tools

Microsoft Excel

PowerPoint

Microsoft Word

Job description

Summary

The Portfolio Manager III is an individual contributor responsible for performing financial analysis and preparing underwriting documents to support corporate credit requests. This position is responsible for ongoing credit monitoring and risk rating for a portfolio of corporate clients. The Portfolio Manager III should demonstrate leadership by providing feedback and guidance to other PMs and Lenders as appropriate.

Specific Job Functions

• Gather and analyze all relevant financial data for clients and prospects, including spreading financial statements and/or collaborating with third party vendor to ensure accuracy financial spreads statements, analyzing historical performance, accurately calculating credit metrics, identifying risks and mitigants, and assessing creditworthiness, etc.
• Model future financial performance of clients and prospects, including downside scenarios.
• Demonstrate leadership in structuring transactions, in collaboration with lenders. Viewed as a value added financial advisor by the client/borrower, critical and knowledgeable contributor to the deal.
• Prepare a thorough credit underwriting document identifying credit risks and mitigants, industry concerns, market share trends, financial trends, and other pertinent credit issues.
• Ensure compliance with all relevant regulations.
• Manage the approval process for complex lending commitments, amendments, waivers, and consents, including providing monitoring, reporting and/or making recommendations to credit as appropriate.
• Review and properly maintain all necessary legal documentation including credit agreements, guarantees, security pledges, and collateral documentation to ensure that the documentation correctly reflects approval.
• Monitor accounts/ongoing financial performance of portfolio to track covenant compliance, determine liquidity, earnings trends, management capability and other essential information to secure the bank’s position to minimize potential losses. Ensure data integrity in the bank’s systems and reporting and that all assets remain appropriately risk rated at all times, with timely changes.
• Establish and maintain direct client relationships. Attend management presentations, bank meetings, and client meetings to identify new underwriting, and/or additional bank product opportunities.

Job Requirements

• Bachelor's degree in finance, accounting, economics or related field is required.
• Master’s degree MBA is preferred.
• 7 - 10 years of commercial underwriting, and/or credit is required. Commercial and Industrial (C&I) underwriting is preferred.
• 3 - 5 years of Commercial and Industrial (C&I) underwriting is required.
• Experience can run congruently.
• Demonstrated competence in financial analysis and modeling is required.
• Must be able to gather relevant research, analyze data, and concisely synthesize large amounts of information in order to accurately assess corporate creditworthiness package.
• Must have knowledge of understanding banking and investment banking products and services and current market dynamics, trends, and terms.
• Must have effective and polished presentation and communication skills.
• Must have working knowledge of Microsoft Suite products.
• Ability to plan, multi-task, manage time effectively, and lead work independently with limited direction.

b1BANK is an Equal Opportunity Employer.