Senior Portfolio Manager - Commercial Banking

Encore Bank; Fort Worth (TX); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Employer Paid Life Insurance

Supplemental Life Insurance

Employee Stock Program

401K

Job summary

Encore Bank is seeking an experienced Portfolio Manager II in Fort Worth to unite clients, credit, and decisioning. You will analyze cash flows, prepare credit memos, and support underwriting to ensure timely approvals while maintaining asset quality.

You will collaborate with Relationship Managers, review loan packages, and manage risk across a diverse portfolio. Strong communication, analytical, and Excel skills are essential for success in a fast-paced banking environment.

Qualifications

• 5+ years in portfolio management or commercial banking with credit analysis.
• Bachelor’s degree in Finance, Accounting, or related field.
• Proficiency in analyzing financial statements and ratios.
• Ability to manage deadlines in a high-pressure environment.
• Experience with loan origination systems; Hawthorn River preferred.
• Excellent written and verbal communication.

Responsibilities

• Collaborates with Relationship Manager on front-end client conversations and gathers high-level details.
• Spreads financials in Moody’s and the Bank’s Excel cash flow templates and prepares full credit memos/packages for smaller credits.
• Reviews loan packages (tax returns, K-1s, interim financials) prior to submission to Credit Underwriting.
• Ensures information requests are answered and issues are addressed with RM and clients.
• Guides development and analysis of financial data for new, renewing, or modifying credits.
• Writes Credit Memos for collateral releases and loan modifications.
• Prepares Annual Risk Rating Certifications for credits between $1M and $3M.
• Monitors construction/inspection reports and flags concerns to RM.

Skills

Credit analysis

Portfolio management

Financial statement analysis

Communication skills

Excel

Education

Bachelor’s degree in Finance/Accounting or related field

Tools

Loan origination systems

Moody’s cash flow templates

Job description

Encore Bank is seeking an experienced Portfolio Manager II in Fort Worth to unite clients, credit, and decisioning. You will analyze cash flows, prepare credit memos, and support underwriting to ensure timely approvals while maintaining asset quality.

You will collaborate with Relationship Managers, review loan packages, and manage risk across a diverse portfolio. Strong communication, analytical, and Excel skills are essential for success in a fast-paced banking environment.