Portfolio Manager II in Dallas, TX

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Finance & Insurance   •  

8 - 10 years

Posted 7 weeks ago

Position Description


Credit Approval Process:

Assists in preparation of credit requests including new originations, renewals, modifications and prospect briefings.

Under the direction of the Credit & Underwriting Executive, ensures completeness and accuracy of approval documentation in the loan approval, prospect, renewal and modification processes

Evaluates structures, quality, integrity and soundness of all financial analysis.

Assists in completion of all credit request package documents, such as assignment of risk ratings, financial analysis, industry analysis, relationship summary, pricing model and other required documents needed for loan approval.

Underwrites companies with risk exposure or potential risk exposure to the bank

Completes approval and commitment process (e.g. Committees) ensuring accuracy of approval documents, compliance with Credit Policy and accuracy of documents and supporting exhibits

Works with Relationship Managers and clients negotiating and communicating final deal structure and terms

Client Interaction:

Communicates final deal structure, pricing, terms and conditions to client and Sales team maintaining integrity of formal Committee Approvals

Frequently visits clients and reviews client performance and financials.

Serves as primary liaison for client prospects; interacts in-person and via phone with existing customers, potential customers and Corporate Banking Sales teams on a routine basis

May be responsible for identifying cross-sell opportunities

Portfolio Management and Review Processes:

Provide guidance and mentoring to credit analysts in underwriting process as well as lending assistants in the booking and maintenance of the relationships on the loan system

Authenticates all post loan closing activities, including conditions precedent to closing, are accurate and complete

Monitor, review and ensure compliance on loan covenants, borrowing base certificates, and other loan documentation and requirements

Follow up and clear any exceptions on any loans in assigned portfolio

Proactively manages credit risk and exposure for an assigned portfolio including early detection of volatile industries and markets for assigned portfolio within designated region, initiating credit modifications and risk upgrading/downgrading

Responsible for formal credit review processes such as monitoring as well as Credit File reviews, Audits, Compliance Reviews, ongoing as well as required periodic reviews

Reviews assigned portfolio and related files for accuracy and completeness all formal loan documentation, comments and updates


Ability to interact with all levels of management, work within a team environment and work independently and structure credits.

Ability to work with large databases and datasets for extraction and conversion into useful business information.

Excellent technical and analytical skills.

Excellent written/verbal communication and interpersonal skills.

Knowledge of Microsoft Office, particularly Excel.

Strong negotiation and presentation skills.

Strong organizational and administrative skills. Ability to multi-task.

Thorough knowledge of financial statements, accounting principles, Credit Policy, applicable laws and industry data sources.

Education: Bachelors or Equivalent

Bachelor's Degree in Business, Accounting, Finance, Economics or equivalent experience. 3+ years Credit Analyst, 9+ yrs in a Senior Credit, Loan or Workout position, or 7+ yrs in a Credit or Loan Workout Officer position or 6+ yrs in Comml Lending Officer type position.

The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.