Job Details

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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!

This is the normal career path of an incumbent that has successfully completed credit training and demonstrated the ability to underwrite complex credits. The Portfolio Manager III participates in the underwriting and loan summary preparation and ongoing 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:

1. 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.
2. Compiles and reviews information regarding guarantors and the borrowing company's financial history and current condition.
3. 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.
4. Prepares underwriting packages; communicates results and recommendations in a written narrative.
5. Monitors and updates pipeline and other department reports; communicates with relationship managers on status of pending requests.

1. Working knowledge of lending and credit risk management concepts, practices and procedures.
2. Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications.
3. Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.
4. Strong analytical skills with the ability to interpret financial data and identify trends.
5. Good attention to detail and concern for data accuracy.
6. Excellent critical thinking and decision-making skills; demonstrated ability to make sound business judgments.
7. Strong customer service and communication skills, including technical writing abilities.
8. Excellent organizational/planning/project management skills.
9. Excellent time management skills.
10. Independent and self-motivated.
11. Detail oriented.
12. Excellent verbal and written communication skills.
13. Excellent analytical skills.
14. Excellent interpersonal skills.
15. Excellent customer service skills.
16. Ability to make difficult autonomous decisions.
17. Negotiation skills.

Qualifications

Minimum Qualifications/Experience:
10+ years' experience as a portfolio manager or comparable experience. The incumbent should also be knowledgeable of business development/marketing, and the loan application process which includes 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:
10% - Some 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 / Affirmative Action employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status, or other status protected by law or regulation.

Job

Lending

Primary Location

Texas-Houston

Schedule

Full-time

Work Locations

TX MM - Houston-9211 1233 West Loop S Suite 1800 Houston 77027

Unposting Date

Ongoing

Organization

Texas - Houston

Woodforest Commitment

Woodforest is a community bank built upon the needs of the customers we serve. We are committed to earning customer loyalty by offering the highest level of customer service as well as competitive products and services by employees who are fair, responsive, and professional.

Our Secret to Success?
Simple, it's our employees. We strive to provide the very best in customer service in the communities we serve. Through the hard work and dedication of our employees, Woodforest has become:

• One of the Largest Employee Owned Community Banks
• A Top Performing Bank in the United States
• A Community Leader Through Volunteer Time and Charitable Giving

Woodforest is privately owned and our Employee Stock Ownership Plan is the largest shareholder. In the spirit of “true ownership” Woodforest employees strive to offer quality banking service and to understand the financial needs of every customer they serve. Our employees live, work and “give back” throughout our many banking communities by supporting organizations and civic events with countless hours of volunteer time and financial support.

Commitment to Diversity and Inclusion
Woodforest National Bank is committed to fostering, cultivating and preserving a culture of diversity and inclusion. By bringing together employees from diverse backgrounds and giving each person the opportunity to contribute their best skills, experience and perspectives, we believe that we are able to best serve our customers and sustain the value of our company's culture, reputation and results.

We treat all our stakeholders -- customers, community members, suppliers and each other -- respectfully and fairly, staying true to the values embedded in the Woodforest culture.

Woodforest is an Equal Opportunity Minority/ Female/ Individuals with Disabilities/ Protected Veteran and Affirmative Action Employer.

Woodforest National Bank services customers across Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia and West Virginia.