Business First Bancshares, Inc.

Portfolio Manager III

Business First Bancshares, Inc. • $90K — $120K *
Houston, TX 77084In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Bachelor's degree in finance, accounting, economics or related field required
  • MBA preferred
  • 7-10 years of commercial underwriting and/or credit required
  • Experience in commercial and industrial (C&I) underwriting preferred
  • Proficiency in financial analysis and modeling
  • Knowledge of banking and investment banking products and market trends
  • Effective presentation and communication skills
  • Working knowledge of Microsoft Office Suite

Responsibilities

  • Gather and analyze financial data and credit metrics for clients
  • Model future financial performance including downside scenarios
  • Lead transaction structuring efforts in collaboration with lenders
  • Prepare comprehensive credit underwriting documents
  • Manage the approval process for complex lending commitments and waivers
  • Review and maintain legal documentation for compliance
  • Monitor portfolio performance and risk rating to minimize losses
  • Establish and maintain direct relationships with clients

Benefits

  • Professional development opportunities
  • Collaborative team environment
  • Access to advanced financial tools and resources
  • Potential for leadership opportunities
  • Engagement with industry leaders and clients
Full Job Description
Summary

The Portfolio Manager III is an individual contributor responsible for performing financial analysis and preparing underwriting documents to support corporate credit requests. This position is responsible for ongoing credit monitoring and risk rating for a portfolio of corporate clients. The Portfolio Manager III should demonstrate leadership by providing feedback and guidance to other PMs and Lenders as appropriate.

Specific Job Functions
  • Gather and analyze all relevant financial data for clients and prospects, including spreading financial statements and/or collaborating with third party vendor to ensure accuracy financial spreads statements, analyzing historical performance, accurately calculating credit metrics, identifying risks and mitigants, and assessing creditworthiness, etc.
  • Model future financial performance of clients and prospects, including downside scenarios.
  • Demonstrate leadership in structuring transactions, in collaboration with lenders. Viewed as a value added financial advisor by the client/borrower, critical and knowledgeable contributor to the deal.
  • Prepare a thorough credit underwriting document identifying credit risks and mitigants, industry concerns, market share trends, financial trends, and other pertinent credit issues.
  • Ensure compliance with all relevant regulations.
  • Manage the approval process for complex lending commitments, amendments, waivers, and consents, including providing monitoring, reporting and/or making recommendations to credit as appropriate.
  • Review and properly maintain all necessary legal documentation including credit agreements, guarantees, security pledges, and collateral documentation to ensure that the documentation correctly reflects approval.
  • Monitor accounts/ongoing financial performance of portfolio to track covenant compliance, determine liquidity, earnings trends, management capability and other essential information to secure the bank's position to minimize potential losses. Ensure data integrity in the bank's systems and reporting and that all assets remain appropriately risk rated at all times, with timely changes.
  • Establish and maintain direct client relationships. Attend management presentations, bank meetings, and client meetings to identify new underwriting, and/or additional bank product opportunities.


JOB REQUIREMENTS
  • Bachelor's degree in finance, accounting, economics or related field is required.
  • Master's degree MBA is preferred.
  • 7 - 10 years of commercial underwriting, and/or credit is required. Commercial and Industrial (C&I) underwriting is preferred.
  • Demonstrated competence in financial analysis and modeling is required.
  • Must be able to gather relevant research, analyze data, and concisely synthesize large amounts of information in order to accurately assess corporate creditworthiness package.
  • Must have knowledge of understanding banking and investment banking products and services and current market dynamics, trends, and terms.
  • Must have effective and polished presentation and communication skills.
  • Must have working knowledge of Microsoft Suite products.
  • Ability to plan, multi-task, manage time effectively, and lead work independently with limited direction.

About Business First Bancshares, Inc.

Business First Bancshares, Inc. is a bank holding company headquartered in Baton Rouge, Louisiana. The company provides a wide range of banking services to commercial and individual customers in Louisiana and Texas. Business First Bancshares, Inc. was founded in 2006 and has grown rapidly through a combination of organic growth and strategic acquisitions. The company is committed to providing exceptional customer service and building long-term relationships with its clients. Business First Bancshares, Inc. is publicly traded on the NASDAQ stock exchange under the ticker symbol BFST.
Learn more about Business First Bancshares, Inc.
Size
347 employees
Market Cap
$548.8 million
Industry
Finance & Insurance
Net Income
$29.9 million
5 Year Trend
+31.5%
* Ladders Estimates

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