Job Description
Take the next step toward your new career today!
Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve.
At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!
The Portfolio Manager I - participates in the underwriting and loan summary preparation and on-going portfolio management related to Credit facilities. Conducts the underwriting and evaluation of loans originated by Commercial Relationship Managers.
Reviews completed loan analysis and loan compliance reviews with the credit analyst prior to distribution and evaluates completeness of risk assessment and accuracy of the underwriting details and projections. This position is typically assigned loans of high credit levels and complexity.
Key Responsibilities:
Works with the Relationship Managers and Credit Administration advising them of the credit risks inherent in loans being proposed and of the relevant loan policies, precedents, concentration risks, and related topics.
Compiles and reviews information regarding guarantors and the borrowing company's financial history and current condition.
Oversees spreading of financial statements and tax returns; conducts comprehensive analyses to determine the degree of risk involved and profitability of extending credit or lending money, such as cash flow, trend and industry analysis.
Prepares underwriting packages; communicates results and recommendations in a written narrative.
Monitors and updates pipeline and other department reports; communicates with relationship managers on status of pending requests.
Competencies Required:
Working knowledge of lending and credit risk management concepts, practices and procedures.
Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications
Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.
Strong analytical skills with the ability to interpret financial data and identify trends.
Good attention to detail and concern for data accuracy.
Excellent critical thinking and decision-making skills; demonstrated ability to make sound business judgments.
Strong customer service and communication skills, including technical writing abilities.
Independent and self-motivated.
Detail oriented.
Good verbal and written communication skills.
Good analytical skills.
Good interpersonal skills.
Good customer service skills.
Minimum Qualifications/Experience:
3-5 years credit or lending experience in the banking or financial services industry.
1-3 years' experience as a credit analyst.
The incumbent should also be knowledgeable of business development/marketing, and the loan application process which include accepting applications, gathering any necessary information and processing any applicable documentation in order to successfully package a loan application. Experience in handling and processing commercial loan packages.
Formal Education & Certification:
Bachelor's degree in Accounting, Business, Finance or Economics
Work Status:
Full-Time.
Supervisory Responsibility:
None.
Travel:
5% - Negligible amount of travel expected.
Working Conditions:
Conditions may involve a higher level of stress when working to meet deadlines; will involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.
Disclaimer:
This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Woodforest is an Equal Opportunity Employer, including Disability and Veterans.
Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve.
At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!
The Portfolio Manager I - participates in the underwriting and loan summary preparation and on-going portfolio management related to Credit facilities. Conducts the underwriting and evaluation of loans originated by Commercial Relationship Managers.
Reviews completed loan analysis and loan compliance reviews with the credit analyst prior to distribution and evaluates completeness of risk assessment and accuracy of the underwriting details and projections. This position is typically assigned loans of high credit levels and complexity.
Key Responsibilities:
Works with the Relationship Managers and Credit Administration advising them of the credit risks inherent in loans being proposed and of the relevant loan policies, precedents, concentration risks, and related topics.
Compiles and reviews information regarding guarantors and the borrowing company's financial history and current condition.
Oversees spreading of financial statements and tax returns; conducts comprehensive analyses to determine the degree of risk involved and profitability of extending credit or lending money, such as cash flow, trend and industry analysis.
Prepares underwriting packages; communicates results and recommendations in a written narrative.
Monitors and updates pipeline and other department reports; communicates with relationship managers on status of pending requests.
Competencies Required:
Working knowledge of lending and credit risk management concepts, practices and procedures.
Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications
Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.
Strong analytical skills with the ability to interpret financial data and identify trends.
Good attention to detail and concern for data accuracy.
Excellent critical thinking and decision-making skills; demonstrated ability to make sound business judgments.
Strong customer service and communication skills, including technical writing abilities.
Independent and self-motivated.
Detail oriented.
Good verbal and written communication skills.
Good analytical skills.
Good interpersonal skills.
Good customer service skills.
Minimum Qualifications/Experience:
3-5 years credit or lending experience in the banking or financial services industry.
1-3 years' experience as a credit analyst.
The incumbent should also be knowledgeable of business development/marketing, and the loan application process which include accepting applications, gathering any necessary information and processing any applicable documentation in order to successfully package a loan application. Experience in handling and processing commercial loan packages.
Formal Education & Certification:
Bachelor's degree in Accounting, Business, Finance or Economics
Work Status:
Full-Time.
Supervisory Responsibility:
None.
Travel:
5% - Negligible amount of travel expected.
Working Conditions:
Conditions may involve a higher level of stress when working to meet deadlines; will involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.
Disclaimer:
This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Woodforest is an Equal Opportunity Employer, including Disability and Veterans.
💡 Quick Summary
Seeking a career-building opportunity? The Portfolio Manager I position is now open for candidates interested in the Operations Executive Jobs sector. This role in Houston offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Operations Executive Jobs is a plus.
