Portfolio Manager Iii - Kingwood, Tx

The principal functions of the Portfolio Manager are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help retain customer relationships by providing exceptional service; (3) assist with routine issues such as overdrafts, wires, new account openings, etc.; (4) ensure that renewals, extensions and annual reviews are completed in a timely manner; (5) seek ways to enhance customer profitability by continuously looking for cross-sell opportunities; 6) replace runoff and amortization in the portfolio by selling deeper into the book of business and 7) continuously seek referral opportunities from current customers and centers of influence.

• Manages the most complex relationships (credits, deposits, and fee based products/services) that require the most complex analysis
• Performs or initiates account/loan maintenance as required
• Acts as liaison for customer inquiries, issues account instructions; redirects questions and requests as necessary if issues relate to other departments
• Acts as a subject matter expert to provide guidance and support to less experienced staff regarding customer questions and issues
• Mentors junior staff, manages workflow within the team
• Ensures accuracy of information, data, and documentation for all portfolio accounts

• For new and renewing loan requests, determines borrower credit-worthiness in accordance with credit policy and manages the request through the appropriate underwriting and closing processes
• Properly documents loan transactions
• Conducts continuous review and administration of loans
• Manages enterprise risk for products and services, including depository services and Treasury Management products
• Reports credit risk issues in a timely manner

• Proactively reviews existing relationships for product penetration and calls on opportunities (loans, deposits, fees and non-credit products and services); issue proposals as appropriate
• Identifies and refers business opportunities to internal product partners and other target market business lines
• Increasingly seeks out referrals from existing customers and COI’s

• Bachelor’s Degree

• Minimum of 4 years of experience in commercial lending as a credit analyst, portfolio manager, or relationship manager including managing the most complex customers such as C&I and/or CRE transactions
• Minimum of 2 years of commercial portfolio management experience

• Advanced knowledge of financial lending regulations
• Advanced knowledge of credit philosophy and policies as well as loan documentation
• Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills
• Advanced knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook (e.g. create templates, complete mail merges, insert and edit charts, create basic formulas, create queries)
• Ability to quickly make sense of, combine, and organize information into meaningful patterns
• Ability to effectively plan, manage, and delegate to others