Portfolio Manager (C&I)

Job Title: Portfolio Manager (C&I)

Location: Dallas, TX

POSITION OVERVIEW

The Portfolio Manager – Commercial Banking is a core credit role responsible for the origination support, underwriting, structuring, and ongoing management of commercial and industrial (C&I) loan relationships. This individual works across a broad range of operating businesses, managing credit facilities that support working capital, equipment acquisition, business expansion, owner-occupied real estate, and other general corporate purposes.

The role partners closely with Relationship Managers, the Chief Lending Officer, and credit administration to grow and maintain a high-quality C&I portfolio. The ideal candidate combines rigorous analytical skills with strong business acumen and a genuine interest in understanding how companies operate, compete, and generate cash flow across a diverse array of industries.

KEY RESPONSIBILITIES

Portfolio Management & Credit Administration

• Manage the full credit lifecycle for a portfolio of C&I borrowers, including initial underwriting, approval, documentation, booking, and ongoing annual review.

• Conduct thorough financial analysis including income statement spreading, balance sheet assessment, cash flow modeling, working capital analysis, and debt service coverage calculations.

• Prepare detailed credit memoranda and risk narratives for presentation to senior credit officers and loan committee.

• Monitor portfolio performance through periodic financial statement reviews, covenant tracking, borrowing base certificate administration, and borrower site visits as appropriate.

• Manage renewals, modifications, amendments, and extensions on existing credit facilities within established policy parameters and timelines.

• Maintain accurate, complete, and current loan files in compliance with bank policy and regulatory expectations.

Credit Analysis & Underwriting

• Underwrite a broad range of C&I credit products including revolving lines of credit, term loans, asset-based lending facilities, equipment financing, letters of credit, and owner-occupied commercial real estate.

• Assess borrower repayment capacity through both historical and projected cash flow analysis, with appropriate sensitivity testing and stress scenarios.

• Evaluate collateral positions including accounts receivable, inventory, equipment, and real estate; understand advance rates, advance formulas, and collateral monitoring requirements for asset-based structures.

• Analyze industry dynamics, competitive positioning, management depth, and business risk alongside financial metrics to develop a complete credit picture.

• Structure credit facilities with appropriate covenants, reporting requirements, collateral controls, and pricing to balance borrower needs with bank risk appetite.

• Identify, articulate, and mitigate key credit risks within each transaction, presenting a balanced and well-supported recommendation to credit decision makers.

Business Development Support & Relationship Management

• Collaborate with Relationship Managers on prospect calling, proposal development, and term sheet preparation to support new business generation.

• Participate in borrower meetings, site visits, and introductory calls to build direct relationships with business owners, CFOs, and key financial decision makers.

• Support cross-sell efforts by identifying opportunities to deepen relationships through treasury management, deposit products, interest rate risk management tools, and other bank services.

• Serve as a responsive and knowledgeable point of contact for existing borrowers on credit-related questions, covenant inquiries, and facility management matters.

Risk Management & Compliance

• Ensure all credits are underwritten, structured, and documented in accordance with the bank’s credit policy, loan policy guidelines, and applicable regulatory standards.

• Identify early warning signs of credit deterioration and proactively communicate concerns to credit administration and relationship leadership.

• Support the bank’s classified asset management process for any portfolio credits that migrate to watch, special mention, or classified status.

• Assist with internal loan review, credit exam preparation, and responses to regulatory or auditor findings as needed.

• Maintain working knowledge of relevant banking regulations including FDIC, OCC, and Federal Reserve guidance applicable to commercial lending.

QUALIFICATIONS & EXPERIENCE

• Three to seven years of commercial banking experience with direct responsibility for C&I loan underwriting and portfolio management.

• Formal credit training or analyst program background at a commercial bank, regional bank, or business development company strongly preferred.

• Strong financial statement analysis skills with demonstrated ability to spread, model, and interpret complex business financials across multiple industries.

• Working knowledge of asset-based lending structures, borrowing base mechanics, and collateral monitoring is a meaningful plus.

• Experience managing a performing commercial portfolio, including covenant administration, annual reviews, and proactive borrower communication.

• Bachelor’s degree in Finance, Accounting, Economics, or a related field required; MBA or advanced degree a plus.

• Strong written communication skills with the ability to craft well-organized, concise, and persuasive credit memoranda.

• Proficient in financial spreading software (Moody’s, Sageworks, or similar) and Microsoft Office, particularly Excel.

CORE COMPETENCIES

COMPENSATION & STRUCTURE

• Competitive base salary commensurate with experience, portfolio complexity, and market; specific compensation is discussed on a per-opportunity basis and varies by institution.

• Annual performance bonus tied to portfolio quality, production support, and individual contribution metrics.

• Full benefits package including health, dental, vision, 401(k) with employer match, and paid time off.

• Clear path for advancement into senior portfolio management, credit officer, or relationship management roles as tenure and portfolio responsibility grow.

This position profile was prepared by L.D. Peck Executive Search | Confidential – For Authorized Distribution Only