Portfolio Manager

At Dallas Capital Bank, we employ a team of experienced and talented bankers who are empowered to deliver a world-class banking experience to our clients. We are searching for talented and team oriented people who want to be part of a world-class workforce.

The ideal candidate will be able to accomplish the functions of the position to ensure that all projects are completed accurately and in a timely manner. This will be done by preparing credit analysis for potential loan accounts and industry research while supporting the banking officers in making credit decisions, and monitoring loan files for adequate and current financial information and documentation.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Underwrite commercial, CRE and personal loans for new and existing customers as assigned by Manager.
• Conduct research on the economic state of the industry in which the loan is being reviewed/renewed or approved. Research is to be included in the loan approval.
• Prepare meeting minutes (Senior Loan Committee, Directors Loan Committee).
• Spread and interpret financial statements.
• Analyze personal and corporate tax returns.
• Prepare projections and review borrower's ability to support debt.
• Review interim construction draws. Review line of credit advance requests.
• Prepare ACH and Mortgage Warehouse credit requests.
• Complete Mortgage Warehouse reference checks in conjunction with broker analysis.
• Prepare loan downgrades and charge offs.
• Attend weekly Senior Loan Committee and other loan committees meetings as scheduled.
• Attend bank luncheons and functions with other bank staff.
• Attend customer calls with loan officers.
• Prepare covenant compliance checks.
• Demonstrates professionalism, commitment to the job, and loyalty to the Bank.
• Keeps Bank and client information confidential.
• Ensure compliance with established credit policies and procedures, and business strategies as well as any applicable laws and regulatory guidelines.
• Complete and pass required training courses by due date. (i.e. Compliance Training)
• Manage projects as assigned by Manager.
• Other job related duties necessary to carry out the responsibilities of the position.

QUALIFICATIONS/COMPETENCIES

• Strong analytical skills, including the ability to read and understand complex materials
• Strong attention to detail, organizational, and time management abilities
• Proven problem recognition & resolution skills
• Sound judgment
• Demonstrated knowledge of intermediate accounting and its practical application in the credit underwriting process
• Superior verbal and written communication, presentation, and technical skills, including the ability to effectively explain complex information.

EDUCATION / EXPERIENCE:

• Four year college degree or equivalent
• 1-3 years commercial bank credit underwriting/portfolio management experience
• Completion of a formal credit training program a plus

WORKING CONDITIONS / ENVIRONMENT:

HOURS: Monday Friday, 8am 5pm.

Some variation in work hours due to special projects and deadlines.

TRAVEL: Occasionally

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Generally comfortable environment, largely sedentary work, with some moving about the building. Some interruption. Can be stressful due to legal concerns, deadlines, etc. Verbal and written communication skills along with telephone and computer usage are critical to the job. Must be able to read, comprehend, and communicate complex information (i.e., speaking to customers and within small groups, read credit reports and required documents, etc.).

While performing the duties of this job, there is frequent repetitive use of keyboard for approximately 6 hours per day. This role occasionally operates an automobile traveling to customer locations.

This job description is not intended to be all-inclusive. Duties, responsibilities and activities may change at any time, with or without notice, to meet the ongoing needs of the organization.

DCB is an Equal Opportunity and Affirmative Action Employer