Portfolio Manager

Job Details Level: Experienced

Job Location:

Fort Worth - Fort Worth, TX 76107

Position Type:
Full Time Education Level: 4 Year Degree Travel Percentage:
Up to 50% Job Shift: Day Job Category:
Banking

The Portfolio Manager II role is the connective tissue between clients, credit, and confidence; turning raw financial details into clear credit decisions that keep deals moving forward. The Portfolio Manager II will partner closely with Relationship Managers from the very first client conversation, dive deep into financials, and shape accurate, well-supported credit stories that stand up to underwriting and approval.

This position will analyze cash flows, spreads, and projections, prepare and review credit memos and risk ratings, and keep a watchful eye on asset quality across the portfolio. From construction draws and borrowing base tracking to appraisals, environmental reports, and loan documents, the Portfolio Manager II will be the detail‑oriented risk spotter who ensures everything aligns with policy, performance, and reality.

Equally comfortable collaborating with Credit Analysts, Underwriting, senior leadership, and clients, this position will manage questions, comments, and conditions with clarity and follow‑through. Part analyst, part project manager, part trusted advisor; the Portfolio Manager II will bring structure to complexity, insight to decisions, and consistency to the credit process. Bottom line:
The Portfolio Manager II will help the bank lend smart, stay informed, and manage risk without slowing momentum.

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

• Collaborates with Relationship Manager (RM) on front-end client conversations and gathers high-level details
• Spreads financials in Moody’s and the Bank’s Excel cash flow templates and prepares full credit memos/packages for smaller credits, and/or works with Credit Underwriting as needed/applicable.
• Comprehensively reviews loan package (tax returns, K-1s, interim financials, etc.) prior to submitting to Credit Underwriting [documents/needs checklist].
• Collaborates with Credit Underwriting, RM, and clients to ensure all additional information requested (including underwriting questions) is received and sufficient to address all needs/questions.
• Works with approvers and Credit Analyst to ensure all comments and questions are addressed, responding to each comment/question with the status, nature of update, and/or a redline version.
• Works alongside Credit Analysts to guide the development and analysis of financial data for new, renewing, or modifying credits.
• Writes Credit Memos as needed for collateral releases, loan modifications, and file updates
• Prepares Annual Risk Rating Certifications (on credits of between $1MM and $3MM).
• Prepares Risk Rating Change Forms (see Risk Rating Changes Guide-Procedures).
• Conducts high-level reviews of third‑party construction inspection reports to determine whether construction projects are on‑time and on‑budget. Alerts RM to any concerns and works with borrower and RM to remedy any issues.
• Creates and continuously monitors a portfolio BBC tracking spreadsheet with details on draw requests (from both the client and Bank perspective [create client document]), contact list, documentation, who does what (dual control), etc. [Loan Administrator and Office Manager (Stephanie and Chris M.) serve as QC/backup].
• Reviews BBCs and supporting documentation for accuracy and compliance, while ensuring exceptions are cleared in SIBanking. Alerts RM to any concerns regarding trends, over‑advances, concentrations, etc. and handles appropriate processes as needed.
• Updates Senior Credit Officer (SCO) on all matters related to asset quality during monthly AQ Meetings, serving as the market’s primary contact for the meeting.
• Ability to spread/review cash flows and Moody’s spreads (prepared by the Credit Analyst, if needed), conduct in‑depth analyses of financial information to form a…