Sr Portfolio Manager, Commercial Real Estate

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Job description

Overview:

At Texas Capital Bank, we are driven by a single-minded and unwavering mission: to serve business and the individuals who run them. We use a consultative approach and innovative technologies to develop new ideas that give the bank and our clients a competitive advantage. We partner with our customers to push the boundaries of whats possibletogether.

Headquartered in Dallas, Texas Capital Bank has offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, and we serve clients in a variety of industries from coast-to-coast.

We are on the Forbes Best Banks in America list, and were named a top place to work by The Dallas Morning News, Houston Chronicle and San Antonio Express-News. For further information, please visit us at .

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 a variety of lines of businesses within the bank, including Middle Market and Corporate Banking, Energy, Real Estate, Mortgage Finance and Private Wealth. 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.

Based on experience and scope of role, this position could be classified as a Senior Portfolio Manager or Managing Portfolio Manager who leads a team of Portfolio Managers.

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
• Final sign-off and approval, when applicable, on approval requests, document reviews and negotiations. Delegated credit authority may be provided to certain Portfolio Managers depending on level of experience.
• 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

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.

Qualifications:

• Bachelors degree in Finance, Accounting, Real Estate, Commercial Banking or equivalent/relevant program
  5+ years experience in Real Estate, Middle Market, Corporate or Private Wealth 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
• Ability to live and work in, Dallas or Houston; with potential opportunity in San Antonio, Fort Worth, or Austin based upon the line of business
• Proven leadership skills and community involvement
• Passion for financial services and delivering superior client experiences