Portfolio Manager

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way.

JOB SUMMARY

The Portfolio Manager supports the El Paso commercial banking team by assisting with the initial underwriting of middle-market commercial and industrial (C&I) loans. They work directly with the credit team to facilitate loan approvals in compliance with the bank’s lending policies and procedures. The Portfolio Manager collaborates closely with Commercial Relationship Managers (CRMs) and actively participates in client and prospect calls. They will promote business for the bank by maintaining good customer relations and referring customers to appropriate staff for additional products and services.  

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

• Supports Commercial Relationship Managers in the daily management of commercial banking relationships.

• Leads or assists with term loan extensions, line of credit renewals, financial information collection, and exception monitoring/clearing; works directly with clients to obtain required documentation.

• Conducts credit underwriting, analysis, and evaluation as directed by the Market President or Commercial Relationship Managers.

• Reviews and analyzes corporate and individual tax returns and financial statements to assess liquidity, leverage, and net worth; determines customer creditworthiness using covenant tools and trend analysis.

• Partners with Relationship Managers to secure approvals for credit facility extensions, waivers, restructurings, and other actions necessary to maintain portfolio credit quality.

• Prepares and delivers credit presentations to executive and director loan committees, ensuring strict adherence to credit policy, underwriting standards, and requirements for accuracy, timeliness, and transparency.

• Evaluates underperforming loans and develop action plans to support customer performance improvement.

• Monitors loan portfolio performance closely; identifies, researches, and reports emerging issues to Relationship Managers and senior management. Follows up on delinquent and maturing loans.

• Assists Relationship Managers and the Regional President in ensuring customer compliance with loan agreements, including covenants and reporting obligations.

• Reviews monthly portfolio reports to confirm accuracy of risk ratings, maturing loans, and problem loan identification.

• Verifies accuracy of loan documentation.

• Coordinate internal and external audits of the loan portfolio.

• Other duties as assigned.

QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• Bachelor’s degree (BA) or equivalent from a four-year college or university. Finance or Accounting degrees preferred.

• Minimum of 4 years of related experience and/or training in a commercial banking environment, with specific focus on commercial credit analysis and portfolio management preferred.

• Demonstrated ability and experience working with and managing middle market C&I commercial banking relationships. Experience working in sponsor finance (PE firms and family offices) and with syndicated credits, preferred.

• Ability to advise and work with Commercial Banking RMs to craft proper loan structures on new deals and renewals.

• Experience in middle market C&I credit analysis and underwriting, including both asset-based lending and cash flow lending.

• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products, Adobe Pro, D&H Credit Quest or similar credit workflow tools.

• Excellent verbal, written, presentation and interpersonal communication skills.

• Strong problem-solving skills and judgment.

• Proficiency in commercial loan documentation.

• Ability to cooperate and work within a team and across the organization.

• Must be a self-starter with the ability to work independently and as part of a team.

• Ability to create and present sophisticated reports and findings for upper-level management.

• Ability to always maintain a high degree of ethical standards and complete confidentiality.

• Regional business travel required.

COMMUNITY IMPACT

Community involvement is part of who we are. Our culture is built on teamwork, purpose, and service. We value volunteerism and create opportunities for employees to connect, give back, and make a positive difference in our communities. As part of the Vantage Bank team, all associates should embrace our community involvement and culture to ensure we are making an impact.

BANK SECRECY ACT (BSA)

All employees of Vantage Bank, herein referenced to as the “Bank”, must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti Money Laundering and Office of Foreign Asset Control Policy.

EOE/M/F/D/V