Portfolio Manager

Summary:

o The Portfolio Manager will be responsible for customer interviews, credit management, financial analysis, and effective communication with customers and internal teams. The role will involve assessing credit risk, analyzing financial data, and ensuring compliance with banking regulations.

Job Skills:

Customer Service Skills: Demonstrates professionalism and empathy in customer interactions from both internal and external customers

Adaptability: Has the ability to learn and adapt quickly to new information and technology and can effectively relay those changes to the team

Teamwork: Strives to build strong working relationships with those on their team as well as cross-functional relationships

Flexibility: Capable of handling multiple demands and can readily shift priorities

Influence: Possess the capacity to be aware of, control, and express emotions, and to handle interpersonal relationships judiciously and empathetically

Agility: Able to process information and move quickly through problem resolution

Communication Skills: Comfortable and confident proactively engaging with and in conversation with different audiences

Specific Job Functions:

• Perform detailed financial and credit analysis for loan applications and portfolio management.
• Collect financial statements and schedules as required,
• Collect tax returns and other supporting information,
• Analyze credit bureau reports,
• Maintain collateral file, insurance, and monitor inspection requirements,
• Develop and maintain financial models and reports using Excel and other tools.
• Master Bank analysis software and other models.
• Analyze financial documents, including cash flow, balance sheets, and income statements.
• Collaborate with lenders to structure credit solutions and prepare loan presentations.
• Ensure all credit processes align with internal policies and regulatory requirements.
• Prepare and deliver credit recommendations to lending teams and loan committee.
• Maintain organized documentation of credit analysis and decisions for audits and reviews.
• Serve as a point of contact for credit-related inquiries, ensuring clear and timely communication.
• Monitor and maintain all tracking requirements.
• Assist in other areas of the bank as needed.

Basic Qualifications:

• Demonstrate ethical character and judgement with attention to respect, commitment, integrity, values and confidential boundaries
• Ability to remain calm and focused in stressful situations
• Must be a self-starter and able to work independently possessing good effective time management skills and ability to organize and prioritize
• Highly reliable with the ability to maintain regular attendance and punctuality
• Sensitivity to confidential information is required
• Exquisite communication and interpersonal skills
• Must be analytical and have creative thinking
• Display strong leadership skills measured by the formation of genuine relationships
• Must be approachable and present a positive attitude
• Impeccable attention to detail
• Represent the bank in a professional manner during and outside of office hours

Education and Experience:

• At least one year of banking experience
• Degree in finance or accounting preferred, but not required
• Bilingual preferred, but not required

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer
• Must be able to lift up to 15 pounds
• Use of hands to make small movements such as typing and picking up small objects
• Visual acuity necessary to prepare or inspect documents or products

Personal Hygiene:

• Position requires candidate to present themselves in a professional manner, with respect to clothing, personal hygiene and appearance. These standards commensurate with our organizations practices of appropriate business conduct and professionalism.

Other Duties:

o This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Prescription drug insurance
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday

Location:

• Seminole, TX 79360 (Preferred)

Ability to Commute:

• Seminole, TX 79360 (Required)

Ability to Relocate:

• Seminole, TX 79360: Relocate before starting work (Required)

Work Location: In person