Portfolio Manager
The Agency, Dallas, TX, United States
A community-focused bank with a strong commitment to relationship banking is seeking a Commercial Portfolio Manager to support its commercial banking division. The organization is known for its disciplined credit culture, collaborative decision-making, and strong client relationships across its markets.
The Commercial Portfolio Manager is a dual-function role combining relationship management with portfolio oversight and credit analysis. This position is responsible for managing an assigned portfolio of commercial credits while maintaining strong asset quality, ensuring compliance, and delivering a high level of client service. This is not a production role; rather, the portfolio is assigned, and the focus is on credit stewardship, structure, and long-term relationship management.
This opportunity is ideal for a credit-minded banking professional who takes ownership of the full credit lifecycle and is comfortable working closely with senior leadership and loan committee.
Key Responsibilities Client Relationship Management
Serve as the primary point of contact for assigned clients, managing the relationship throughout the life of each credit
Build and maintain strong relationships with business owners and real estate clients
Respond to client needs including covenant requests, modifications, and general credit-related inquiries
Act as a trusted advisor to clients navigating lending processes; no outbound business development required
Credit Analysis & Loan Structuring
Perform in-depth credit analysis, including financial statement spreading, cash flow modeling, and risk assessment across CRE, C&I, and SBA loans
Collaborate with clients and senior leadership to structure and negotiate loan terms aligned with credit policy
Prepare detailed credit approval memoranda for loan committee presentation, clearly identifying risks and mitigants
Support the loan closing process in coordination with internal teams and third parties to ensure accuracy and compliance
Actively manage an assigned commercial loan portfolio ($40MM–$80MM), monitoring performance, covenant compliance, and collateral values
Conduct annual reviews, borrowing base analyses, and ongoing credit file updates
Track maturities, past dues, and tickler items to ensure the portfolio remains current and well-managed
Identify early signs of credit deterioration and recommend risk rating changes or action plans
Coordinate with special assets or workout teams when necessary
Prepare reports and presentations on portfolio performance, risk exposure, and trends for senior management
Stay informed on market conditions and industry trends impacting the portfolio
Maintain accurate, complete, and exam-ready loan files and financial documentation
Compliance & Risk Management
Ensure adherence to all regulatory requirements and internal lending policies
Maintain knowledge of applicable banking regulations and credit standards
Complete required compliance training and support audit and exam processes
Partner with lending assistants, loan operations, and treasury teams to support portfolio management
Work closely with senior leadership and loan committee on credit decisions and structuring
Manage loan pipeline activity and assist with broader portfolio initiatives
Perform additional duties as assigned
Required Qualifications
Minimum of 5 years of experience in commercial lending, credit analysis, or portfolio management
Demonstrated experience managing and underwriting commercial loan relationships
Strong background in at least two of the following: Commercial Real Estate (CRE), C&I, and SBA lending
Proven ability to manage a commercial loan portfolio and maintain strong asset quality
Excellent financial analysis, underwriting, and loan structuring skills
Strong communication skills with the ability to present to senior leadership and loan committee
Highly organized with the ability to manage multiple credits and deadlines simultaneously
Proficiency in Microsoft Office; experience with banking systems and loan origination platforms preferred
Education
Bachelor’s degree in Finance, Accounting, Business Administration, or related field required
Advanced degree, formal credit training, or professional certifications preferred
This is a strong opportunity to join a respected community bank in a highly visible role working closely with senior leadership. The position offers the ability to manage a meaningful portfolio, influence credit decisions, and play a key role in maintaining the quality and performance of the bank’s commercial lending function.
Equal Employment Opportunity Statement The Agency Recruiting follows Equal Employment Opportunity (EEO) guidelines and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable law.
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The Commercial Portfolio Manager is a dual-function role combining relationship management with portfolio oversight and credit analysis. This position is responsible for managing an assigned portfolio of commercial credits while maintaining strong asset quality, ensuring compliance, and delivering a high level of client service. This is not a production role; rather, the portfolio is assigned, and the focus is on credit stewardship, structure, and long-term relationship management.
This opportunity is ideal for a credit-minded banking professional who takes ownership of the full credit lifecycle and is comfortable working closely with senior leadership and loan committee.
Key Responsibilities Client Relationship Management
Serve as the primary point of contact for assigned clients, managing the relationship throughout the life of each credit
Build and maintain strong relationships with business owners and real estate clients
Respond to client needs including covenant requests, modifications, and general credit-related inquiries
Act as a trusted advisor to clients navigating lending processes; no outbound business development required
Credit Analysis & Loan Structuring
Perform in-depth credit analysis, including financial statement spreading, cash flow modeling, and risk assessment across CRE, C&I, and SBA loans
Collaborate with clients and senior leadership to structure and negotiate loan terms aligned with credit policy
Prepare detailed credit approval memoranda for loan committee presentation, clearly identifying risks and mitigants
Support the loan closing process in coordination with internal teams and third parties to ensure accuracy and compliance
Actively manage an assigned commercial loan portfolio ($40MM–$80MM), monitoring performance, covenant compliance, and collateral values
Conduct annual reviews, borrowing base analyses, and ongoing credit file updates
Track maturities, past dues, and tickler items to ensure the portfolio remains current and well-managed
Identify early signs of credit deterioration and recommend risk rating changes or action plans
Coordinate with special assets or workout teams when necessary
Prepare reports and presentations on portfolio performance, risk exposure, and trends for senior management
Stay informed on market conditions and industry trends impacting the portfolio
Maintain accurate, complete, and exam-ready loan files and financial documentation
Compliance & Risk Management
Ensure adherence to all regulatory requirements and internal lending policies
Maintain knowledge of applicable banking regulations and credit standards
Complete required compliance training and support audit and exam processes
Partner with lending assistants, loan operations, and treasury teams to support portfolio management
Work closely with senior leadership and loan committee on credit decisions and structuring
Manage loan pipeline activity and assist with broader portfolio initiatives
Perform additional duties as assigned
Required Qualifications
Minimum of 5 years of experience in commercial lending, credit analysis, or portfolio management
Demonstrated experience managing and underwriting commercial loan relationships
Strong background in at least two of the following: Commercial Real Estate (CRE), C&I, and SBA lending
Proven ability to manage a commercial loan portfolio and maintain strong asset quality
Excellent financial analysis, underwriting, and loan structuring skills
Strong communication skills with the ability to present to senior leadership and loan committee
Highly organized with the ability to manage multiple credits and deadlines simultaneously
Proficiency in Microsoft Office; experience with banking systems and loan origination platforms preferred
Education
Bachelor’s degree in Finance, Accounting, Business Administration, or related field required
Advanced degree, formal credit training, or professional certifications preferred
This is a strong opportunity to join a respected community bank in a highly visible role working closely with senior leadership. The position offers the ability to manage a meaningful portfolio, influence credit decisions, and play a key role in maintaining the quality and performance of the bank’s commercial lending function.
Equal Employment Opportunity Statement The Agency Recruiting follows Equal Employment Opportunity (EEO) guidelines and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable law.
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