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Guaranty Bank & Trust · 1 day ago

Commercial Portfolio Manager

Greater Houston

Full-time

Onsite

Mid Level

3+ years exp

Guaranty Bank and Trust is seeking a Full-Time Commercial Portfolio Manager to serve as the primary credit and portfolio support partner to a Commercial Loan Officer. This role is critical to delivering responsive, well-structured commercial lending solutions while maintaining strong credit quality and regulatory compliance.

Banking

No H1B

Responsibilities

Serve as the primary credit support resource for assigned Commercial Loan Officer(s)

Analyze new and existing commercial credit relationships and provide recommendations on structure, terms, covenants, and risk ratings

Prepare comprehensive Credit Approval Memorandums (CAM) for commercial borrowers, including large and complex credit requests

Evaluate borrower and guarantor financial statements, tax returns, cash flow, global debt service coverage, and liquidity

Review third-party reports including appraisals, environmental reports, business valuations, and credit bureau reports

Manage an assigned commercial loan portfolio, including covenant tracking, borrowing base analysis, annual reviews, and past-due monitoring

Perform periodic portfolio reviews based on risk grade, exposure size, and regulatory requirements

Proactively identify emerging risks and partner with loan officers to recommend mitigation strategies

Ensure accurate risk ratings and ongoing compliance with loan policy and regulatory standards

Work directly with commercial customers, as needed, to clarify financial information and support loan requests

Partner closely with Commercial Loan Officers to deliver timely, high-quality credit decisions and customer solutions

Coordinate with internal teams including Credit Administration, Loan Operations, Treasury, and Compliance throughout the loan lifecycle—from origination through closing and servicing

Assist in training and mentoring new employees and supporting team knowledge-sharing

Ensure all credit activities comply with federal, state, and local regulations, as well as Guaranty Bank and Trust and Glacier Bank policies and procedures

Participate in periodic reviews of lending policies, procedures, and portfolio management practices; recommend enhancements as appropriate

Prepare and distribute portfolio, risk, and management reports as requested

Complete all required regulatory and compliance training

Participate in special lending-related projects, portfolio initiatives, and internal meetings as assigned

Qualification

Commercial loan structuresFinancial analysisCash flow underwritingFinancial statement spreadingExcel proficiencyData analysisOrganizational skillsCommunication skillsCollaborative mindset