Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.
Brief Overview of Position
The ABL Portfolio Manager II role is positioned within Credit Administration and is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.
This position will support the Asset Based Lending (ABL) line of business within the bank. The Portfolio Manager owns the ABL relationship and approval process for all credit requests for existing ABL clients, working closely with Analysts, Associates, and Relationship Managers. The Portfolio Manager is responsible for maximizing portfolio performance and is expected to have the ability to lead a deal with little to no oversight. Responsibilities include monitoring the portfolio quality against established criteria and recommending adjustments to existing credit facilities as appropriate. The Portfolio Manager provides efficient follow-up and spearheads processes to ensure best-in-class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business.
Responsibilities
To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining strong and efficient attention to detail. Key responsibilities include, but are not limited to:
- Oversight of credit related responsibilities for the Analysts and Associates, including financial statement spreading and validation of various underwriting models
- Responsible for risk rating assessment and periodic relationship reviews
- Partner with Relationship Manager in credit agreement review and negotiation
- Ownership of all credit approvals (new facilities, modifications, renewals, increases, risk assessments)
- Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks.
- Ownership of policy exception identification
- Direct and manage portfolio reviews
- Validate covenant compliance and covenant management
- Ownership of post-approval modifications to ensure accurate reporting of credit exposure
- Client management, including assisting with day-to-day needs, contact meetings, and site visits. Direct client contact is expected.
- Client management in SalesForce
- Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices
- Ownership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities, etc.
- Identify cross-sell opportunities
- Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects
Qualifications
- Bachelor’s degree in Finance, Accounting, Commercial Banking, or equivalent/relevant program
- 5+ years’ experience in ABL Portfolio Management experience with formal Credit training.
- Exceptional writing, interpersonal and communication skills
- Extraordinary levels of motivation and initiative
- Effective team player who wants to work in a fast-paced, collaborative environment and build working relationships across the organization
- Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations
- Passion for financial services and delivering superior client experiences
- Proven leadership skills and community involvement
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.
Skills Required
- Bachelor's degree in Finance, Accounting, Commercial Banking, or equivalent
- 5+ years experience in ABL portfolio management with formal credit training
- Experience owning credit approvals, modifications, renewals, and risk assessments
- Experience with covenant compliance, covenant management, and credit reporting/analytics
- Experience managing and mentoring analysts and associates (oversight of financial spreading and underwriting validation)
- Experience using Salesforce for client management
- Strong Microsoft Office skills (Outlook, Excel, PowerPoint)
- Exceptional writing, interpersonal and communication skills
- Proven leadership skills, initiative, and ability to work collaboratively in a fast-paced environment
- Ability to analyze macroeconomic and industry trends and identify key credit risks and mitigants
Texas Capital Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Texas Capital Bank and has not been reviewed or approved by Texas Capital Bank.
-
Retirement Support — A company 401(k) with matching contributions is repeatedly characterized as good, reinforcing the value of the retirement program. Employer match and related financial supports are highlighted as competitive components of the package.
-
Leave & Time Off Breadth — PTO and paid holidays are characterized as solid to generous, with accruals that can increase with tenure or vary by level. Time off is frequently cited as a strong element of the overall package.
-
Wellbeing & Lifestyle Benefits — Wellness programs, educational assistance, and paid parking expand support beyond core insurance, adding convenience and development value. Ancillary perks complement the standard medical, dental, and vision coverage.
Texas Capital Bank Insights
What We Do
Our expert bankers are committed to helping your business build and grow. Equipped with experience-based insights and a proven record of implementing custom solutions for clients, we can help you with a suite of business lending, investing and financial management services that see you through every step of the way. Our client-centric culture thrives because we attract, develop and engage the most experienced and diverse experts in their fields. Over the years, we've developed a supportive culture that values collaboration, rewards performance and respects the well-being of its team members. We know our people are our greatest asset, so we give them the resources and support they need to be successful. Our personal approach has enabled us to deliver exceptional value for our clients for more than two decades — an achievement we’re proud to continue. Explore a career at Texas Capital Bank: https://www.texascapitalbank.com/who-we-are/careers Texas Capital Bank is a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ®: TCBI). For more information, please visit www.texascapitalbank.com. Member FDIC. NASDAQ®: TCBI. Equal Housing Lender. Texas Capital Bank and its subsidiaries are equal opportunity employers and do not discriminate on the basis of any protected trait including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status. Please view our EEO Policy to learn more: https://www.texascapitalbank.com/equal-employment-opportunity-policy
.png)
