Harrison Gray Search has partnered with a bank with a deep heritage to find its next Loan Portfolio Manager in Southwest Texas.

In this role, you'll be responsible for assisting our loan officers in managing a diverse portfolio of commercial loans. This involves ensuring sound credit quality and building relationships with both existing and prospective clients. The ideal candidate will have a strong understanding of commercial underwriting, risk assessment, and financial analysis. You will work closely with borrowers, lenders, and other stakeholders to facilitate loan growth while ensuring compliance with regulatory standards and internal policies.

Key Responsibilities

Portfolio Management & Growth

• Assist in managing a portfolio of commercial loans, monitoring performance, compliance, and risk exposure.
• Conduct regular reviews of loan performance and facilitate timely renewals, modifications, and payoffs.
• Identify opportunities for portfolio growth and diversification while managing risk.

Underwriting & Financial Analysis

• Perform comprehensive credit analysis and underwriting of commercial loan applications. This includes analyzing financial statements, assessing cash flow, and evaluating collateral.
• Prepare detailed credit memos and present findings and recommendations to the credit committee.
• Create cash flow models for underwriting and spread borrower financial statements.
• Assess borrower creditworthiness and recommend appropriate loan structures and terms.

Compliance & Review

• Review loan packages with lenders to ensure that all compliance requirements and internal policies are met before submission to underwriting.
• Ensure all necessary documentation is complete, accurate, and appropriately logged, while identifying any gaps or issues.
• Conduct post-approval reviews to verify that all conditions have been met and that the final loan package complies with regulatory and internal standards.

Client & Stakeholder Relations

• Build and maintain strong relationships with clients, understanding their financial needs and providing tailored solutions.
• Act as a primary point of contact for clients throughout the loan lifecycle, addressing inquiries and resolving issues as they arise.
• Collaborate with the lending and loan operations teams to ensure a seamless and efficient loan process.

Risk Monitoring

• Monitor economic and market trends that may impact the portfolio and make recommendations for adjustments as needed.
• Ensure compliance with all regulatory requirements and internal policies related to commercial lending.
• Conduct periodic risk assessments and stress testing on the loan portfolio.

Reporting & Documentation

• Maintain accurate records of loan documentation, financial information, and client communication.
• Prepare regular reports on portfolio performance, risk exposure, and underwriting activities for senior management.

Qualifications

• Bachelor’s degree in Finance, Business Administration, or a related field. A Master’s degree or relevant certifications (e.g., CFA, CBA) is preferred.
• A minimum of 5 years of experience in commercial lending, with a strong focus on portfolio management and underwriting.
• In-depth knowledge of commercial lending products, credit analysis, and financial statement interpretation.
• Strong analytical skills and attention to detail, with the ability to assess complex financial situations.
• Excellent communication and interpersonal skills, with a customer-focused approach.
• Proficiency in financial software and the Microsoft Office Suite (Excel, Word, PowerPoint).

Compensation & Benefits

• Full health benefits
• 401 (k) with a discretionary match
• Robust PTO
• Base compensation of $75k-$85k

This role is 100% onsite in Uvalde, TX. Relocation assistance may be available.