Senior Portfolio Manager - Middle Market

Texas Capital; Austin (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

Texas Capital Bank is seeking a Sr. Portfolio Manager for the Middle Market line in Austin. The role owns the underwriting process for credit requests and partners with Analysts, Associates, and Relationship Managers to assess risk and identify cross-sell opportunities.

The position leads from opportunity to close with minimal oversight, monitors portfolio quality, and ensures best-in-class customer service while acting as a liaison between Credit and the Line of Business.

Qualifications

• Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent/relevant program.
• 8+ years’ experience in Commercial or Corporate Banking with formal Credit training.
• Exceptional writing, interpersonal and communication skills.
• Extraordinary levels of motivation and initiative.
• Effective team players in a fast-paced, collaborative environment.
• Strong Microsoft Office skills including Outlook, Excel, and PowerPoint to produce reports, memos, and presentations.
• Passion for financial services and delivering superior client experiences.
• Proven leadership skills and community involvement.

Responsibilities

• Oversee credit-related responsibilities for Analysts and Associates, including financial statement spreading and validation of underwriting models.
• Responsible for risk rating assessment and periodic relationship reviews.
• Partner with Relationship Manager in credit agreement review and negotiation.
• Own all credit approvals (new customers, modifications, renewals, increases, risk assessments).
• Identify key risks and mitigants for each credit request.
• Own policy exception identification.
• Direct and manage portfolio reviews.
• Validate covenant compliance and covenant management.
• Own post-approval modifications for accurate reporting of credit exposure.
• Manage client relationships, including day-to-day needs, meetings, and site visits.
• Manage clients in SalesForce.
• Analyze macroeconomic conditions, industry trends and lending practices.
• Own portfolio reporting and analytics (grade-migration, past-dues, exceptions, coming-due maturities).
• Identify cross-sell opportunities.
• Coordinate with Special Assets Group as needed.
• Lead or support initiatives to improve delivery of credit solutions for clients and prospects.

Skills

Writing skills

Interpersonal skills

Communication skills

Leadership

Team player

Initiative

Education

Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent/relevant program

Tools

Microsoft Excel

PowerPoint

Outlook

Job description

Job Post: https://texascapitalbank.wd12.myworkdayjobs.com/Careers/job/Austin-TX/Sr-Portfolio-Manager---Middle-Market_JR106031

Job Post: https://texascapitalbank.wd12.myworkdayjobs.com/Careers/job/Austin-TX/Sr-Portfolio-Manager---Middle-Market_JR106031

Brief Overview of Position

The Sr. Portfolio Manager role is positioned within Credit Administration and is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.

This position will support the Middle Market line of business within the bank. The Portfolio Manager owns the underwriting process for all credit requests, working closely with Analysts, Associates, and Relationship Managers to determine and evaluate potential risks and identify cross‑sell opportunities. The Portfolio Manager is responsible for maximizing portfolio performance and is expected to have the ability to lead a deal from opportunity to close with little to no oversight. Responsibilities include monitoring the portfolio quality against established criteria and recommending adjustments to existing credit facilities as appropriate. The Portfolio Manager provides efficient follow‑up and spearheads processes to ensure best‑in‑class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business.

Responsibilities

To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Key responsibilities include, but are not limited to:

• Oversight of credit related responsibilities for the Analysts and Associates, including financial statement spreading and validation of various underwriting models
• Responsible for risk rating assessment and periodic relationship reviews
• Partner with Relationship Manager in credit agreement review and negotiation
• Ownership of all credit approvals (new customers, modifications, renewals, increases, risk assessments)
• Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks.
• Ownership of policy exception identification
• Direct and manage portfolio reviews
• Validate covenant compliance and covenant management
• Ownership of post‑approval modifications to ensure accurate reporting of credit exposure
• Client management, including assisting of day‑to‑day needs, contact meetings, and site visits. Direct client contact is expected.
• Client management in SalesForce
• Oversight and in‑depth analysis of macroeconomic conditions, industry trends and changes in lending practices
• Ownership of portfolio reporting and analytics: grade‑migration, past‑dues, exceptions, coming‑due maturities, etc.
• Identify cross‑sell opportunities
• Partner with Special Assets Group for credit requests (as needed)
• Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects

Qualifications

• Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent/relevant program
• 8+ years’ experience in Commercial or Corporate Banking with formal Credit training.
• Exceptional writing, interpersonal and communication skills
• Extraordinary levels of motivation and initiative
• Effective team players who want to work in a fast‑paced, collaborative environment and build working relationships across the organization
• Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations
• Passion for financial services and delivering superior client experiences
• Proven leadership skills and community involvement

The duties listed above are the essential functions, or fundamental duties within the job classification.The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.