Commercial Loan Portfolio Manager

Salary: USD
95000 - USD
130000 per year

LOCATION

Hurst, TX | Onsite

• Salary: $100,000+ annually, depending on experience (BOE)

We are seeking an experienced Loan Portfolio Manager II to independently manage commercial lending portfolios, maintain credit quality, and support sound lending decisions for an established community bank. This role partners with commercial lenders and market leadership to manage credit risk, streamline underwriting and loan approvals, and strengthen customer relationships. Success requires strong financial analysis, independent credit judgment, and proactive portfolio management.

• Manage commercial loan portfolios, including annual reviews, renewals, modifications, maturities, covenant monitoring, collateral reviews, and ongoing credit administration.
• Analyze business financial statements, tax returns, cash flow, liquidity, leverage, guarantor strength, and collateral to assess creditworthiness and recommend risk ratings.
• Prepare credit memorandums, underwriting packages, and approval documentation for commercial real estate (CRE), construction, equipment financing, owner-occupied real estate, and commercial lines of credit.
• Identify emerging credit risks, monitor criticized and classified loans, resolve documentation exceptions, and ensure compliance with banking policies and regulatory requirements.
• Collaborate with commercial lenders, Loan Assistants, Credit Administration, and Loan Operations to support timely loan approvals, customer service, portfolio maintenance, and mentoring of junior team members.

• Minimum 5 years of commercial banking experience, including at least 3 years in commercial credit analysis, underwriting, loan portfolio management, or related commercial lending functions.
• Demonstrated ability to independently analyze commercial financial statements, tax returns, global cash flow, collateral, loan structures, and credit risk while managing commercial lending relationships.
• Working knowledge of commercial banking regulations, credit administration, loan documentation, covenant compliance, and portfolio risk management, with strong analytical, organizational, and communication skills.

• Commercial loan origination and portfolio management systems
• Financial statement analysis and credit underwriting software
• Credit risk rating and covenant monitoring systems
• Microsoft Excel, Word, and Outlook
• Commercial lending documentation and credit administration systems

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• Experience with commercial real estate lending, construction loans, equipment finance, owner-occupied commercial loans, and revolving lines of credit.
• Experience preparing loan committee presentations, mentoring junior lending personnel, and building customer relationships within a community banking environment.