Portfolio Manager III

b1BANK in; Houston (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

b1BANK in seeks a Portfolio Manager III to perform financial analysis, underwriting documentation, and ongoing credit monitoring for a portfolio of corporate clients. The role requires leadership in guiding other PMs and Lenders and ensuring compliance with regulations.

The candidate will gather data, model performance, and prepare credit packages while maintaining data integrity and providing clear risk assessments to support lending decisions.

Qualifications

• Strong financial analysis and modeling skills.
• Experience with underwriting and credit documentation.
• Excellent presentation and communication abilities.

Responsibilities

• Gather and analyze financial data and performance to assess creditworthiness.
• Model future financial performance and downside scenarios for clients.
• Lead structuring discussions with lenders and act as a value-added advisor.
• Prepare thorough underwriting documents identifying risks and mitigants.
• Monitor covenant compliance and risk rating for the portfolio.

Skills

Financial analysis

Modeling

Leadership

Presentation skills

Communication

Education

Bachelor's degree (finance, accounting, economics)

MBA (preferred)

Tools

Microsoft Office

Job description

Portfolio Manager III (Finance)

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.

Equal Opportunity/Employer/Veterans/Disabled