Senior Commercial Credit Manager

2 weeks ago

Dallas, Texas, United States Vantage Bank Texas Full time

JOB CLASSIFICATION
Full / Part-time: Full Time

Hours Per Week: 40

Location:
Dallas, TX

JOB SUMMARY

The Portfolio Supervisor plays a crucial role in supporting Relationship Managers by underwriting and facilitating the closure of intricate consumer, residential, equipment, SBA, commercial real estate, and business loans, ensuring adherence to the bank's lending policies and procedures.

This position entails managing credit and collateral exceptions as well as overdue accounts.

The Portfolio Supervisor will enhance the bank's business by fostering strong customer relationships and directing clients to relevant staff for additional products and services.

This role demands the capability to handle 5-6 new financing transactions in a dynamic environment, oversee the existing loan portfolio (including loan covenants and borrowing bases), and assist in finalizing new loans.


ESSENTIAL DUTIES

The responsibilities outlined below represent some of the tasks that may be assigned and may not encompass all duties that the individual in this role may be required to perform.

The incumbent may be expected to undertake other related tasks as assigned.
Support the Commercial Relationship Managers in the daily oversight of their commercial banking relationships.

Responsibilities include leading or assisting the relationship manager with term loan renewals, line of credit extensions, gathering financial data, and monitoring and resolving exceptions.

Engage directly with clients to gather necessary information.

Credit underwriting, analysis, and evaluation may be required, as directed by or in collaboration with the Regional President or Commercial Relationship Managers.

Examine corporate and individual tax returns/financial statements for liquidity, leverage, and net worth.

Assess the creditworthiness of clients by analyzing data and trends, utilizing various covenant tools to evaluate performance.

Assist the Commercial Relationship Managers in securing approvals for credit facility extensions, waivers of specific requirements, restructuring of commercial credits, and other decisions necessary to uphold the credit quality of the commercial portfolio.

Prepare and deliver credit presentations to executive and director loan committees, ensuring compliance with credit policy and maintaining rigorous underwriting standards for accuracy, timeliness, and transparency.

Analyze underperforming loans and formulate action plans to assist clients in enhancing performance.

Through diligent monitoring and management of the loan portfolio's performance, investigate and report any emerging issues to the relationship managers and senior management.

Follow up on overdue and maturing loans.
Assist RM and RP in ensuring customer compliance with loan agreements (covenants, reporting, etc.)
Review monthly reports to confirm the accuracy of risk grades, maturing loans, and problematic loans.
Examine loan documents for precision.
Coordinate all internal and external audits of the loan portfolio.

QUALIFICATIONS

These specifications serve as general guidelines based on the minimum experience typically deemed essential for satisfactory performance in this position.

The requirements listed below are representative of the knowledge, skills, and/or abilities necessary to perform the position effectively.

Individual capabilities may lead to some variation from these guidelines.

Bachelor's degree (BA) or equivalent from a four-year college or university; 7 -10 years of relevant experience and/or training; or an equivalent combination of education and experience.

Direct experience in a commercial banking environment, with a specific emphasis on commercial credit analysis and portfolio management is preferred.

Demonstrated ability and experience working with lower middle market / middle market C&I companies, private equity firms, and family offices is preferred.

Experience in middle market C&I credit analysis and underwriting, including both asset-based and cash flow lending.
Experience with syndicated credits is preferred.
Strong problem-solving skills and judgment.
Proficiency in commercial loan documentation.
Exhibit strong analytical and collaborative skills to benefit both clients and relationship managers.
Willingness to work independently and as an effective, enthusiastic team member.
Demonstrates professionalism, diplomacy, composure, and adaptability to various situations.
Strong communication skills, including listening, oral, and written presentations.

Proficient computer skills and thorough knowledge of Microsoft Office products, Adobe, and D&H Credit Quest or similar credit workflow tools.

Outbound calling and regional business travel required.
Demonstrates strong ethics and commitment to stated corporate values.
EOE/M/F/D/V

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