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About the Role

The Sr. Portfolio Manager role is within Credit Administration and supports the Private Wealth line of business. This position owns the underwriting process, evaluates risks, identifies cross-sell opportunities, and maximizes portfolio performance. The role requires leading deals from opportunity to close with minimal oversight, monitoring portfolio quality, and recommending adjustments to credit facilities.

Responsibilities

Oversight of 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.
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.
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 with 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.
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, 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.

Skills

Microsoft Office (Outlook, Excel, PowerPoint)
SalesForce
Financial statement spreading
Underwriting models
Risk rating assessment
Credit agreement review
Negotiation
Credit approvals
Risk assessment
Policy exception identification
Portfolio reviews
Covenant compliance
Covenant management
Credit exposure reporting
Client management
Macroeconomic analysis
Industry trend analysis
Lending practices analysis
Portfolio reporting
Portfolio analytics
Cross-sell identification
Credit solutions improvement

Location

Dallas
Austin
Fort Worth
Houston
Richardson
Plano
San Antonio

Work Type

Full-time

Experience Level

8+ years

Education Level

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

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)

About the Company

Texas Capital is built to help businesses and their leaders with deep knowledge and expertise, bringing the best of big firms at a scale that works for clients, with experienced bankers investing in people’s success.
Bankers are seasoned financial experts with deep industry experience and commitment to understanding client needs, identifying market opportunities, and meeting long-term objectives.
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio.
Named Best Regional Bank in 2024 by Bankrate.
Named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023.
Named to GoBankingRate’s 2023 list of Best Regional Banks.

Equal Opportunity

Texas Capital is an Equal Opportunity Employer.