This job is closed
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About the position
The 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 Mortgage Finance line of business within the bank, which includes Mortgage Warehouse Lending, Mortgage Specialty Lending and Structured Products. The Portfolio Manager owns the underwriting process for all credit requests, working closely with Analysts, Associates, and Relationship Managers to determine structure, 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
- 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
- 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
Requirements
- Bachelor's degree in Finance, Accounting, Real Estate, Commercial Banking or equivalent/relevant program
- 8+ years' experience in Mortgage Finance, Securitization, 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
- Ability to live and work in one of Texas Capital Bank's target markets with a strong preference toward company headquarters in Dallas
- Proven leadership skills and community involvement
- Passion for financial services and delivering superior client experiences
Benefits
- Health insurance coverage
- Wellness program
- Fertility and family building aids
- Life and disability insurance
- Retirement savings plans with a generous 401K match
- Paid leave programs
- Paid holidays
- Paid time off (PTO)
