First Financial Bank Texas · 13 hours ago
Junior Portfolio Manager
Trail, OR
Full-time
Onsite
Entry Level
2+ years expFirst Financial Bank Texas is looking for a Junior Portfolio Manager to join their team. The role involves working closely with senior management on credit underwriting and ongoing risk management of higher exposure loan relationships, ensuring adherence to credit policies and maintaining the quality of the loan portfolio.
BankingCreditFinancial Services
Responsibilities
Work directly with commercial lenders in every Bank market on certain credits requiring advanced expertise and monitoring
Work closely with Credit Administrators and Chief Credit Officer to ensure oversight and portfolio maintenance adheres with Bank credit policy and risk appetite
Financial Reporting and Financial Covenant monitoring/tracking of certain credits as assigned
Obtain financial information from clients within parameters of Loan Agreements
Calculate financial covenant ratios within the parameters of Loan Agreements and reconcile discrepancies between the Bank and borrowers
Analyze financials on existing relationships and prepare updated loan file memos and approval memos
Work closely with Credit Administrators and Chief Credit Officer to ensure oversight and portfolio maintenance adheres with FFB credit policy and risk appetite
Review Closing Documents to ensure alignment with approved terms by loan committee
Review Loan Agreements to ensure all necessary Financial Covenants, Reporting Requirements, and other requirements are clearly and correctly defined
Work with Lenders to correct any discrepancies/inconsistencies between approved terms and Loan Agreements
Direct the monthly Annual Review process to ensure timely completion of higher exposure loan relationships within the organization
Generate financial ratios, using computer programs, to evaluate customers’ financial status
Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
Keep up to date with company’s lending protocols
Manage Borrowing Base monitoring. Review monthly borrowing bases and instruct Loan Operations to cap availability in Jack Henry
Direct Problem Loan Reports process quarterly and coordinate on classified loans over $750M
Prepare and deliver informational presentations to Lenders and Senior Management
Create legal documentation due in an Event of Default
Assist with any audits/risk reviews, including coordinate responses, monitor action steps for remediation, etc
Develop and maintain a positive rapport with the Credit/Risk Management Team and adhere to policy standards within the loan portfolio
Assist the team during vacations/absences as necessary
Provide sales & customer service support as necessary, be available for joint calling efforts with the team and Senior Management
Communicate with customers on behalf of the Bank
Qualification
Required
Bachelor's degree in accounting, finance, or business administration with a minimum level of accounting background
Formally credit trained and demonstrated experience and judgment with credit decisions and analysis
Minimum two years' experience working with limited supervision
Demonstrated experience, knowledge and judgment with structure, credit decisions, and analysis
Able to grasp and understand C&I, C&D, and CRE concepts and structures
Able to prepare comprehensive, cohesive, detailed written analysis and narrative
Demonstrated above average written and oral communication skills
Familiar with PCs and PC software, specifically Microsoft applications (Excel, PowerPoint, Word, etc.)
Company
First Financial Bank Texas
First Financial Bankshares, Inc. is recognized as one of the nation's most financially secure banking institutions, with assets totaling $14.3 billion.
1001-5000 employees
H1B Sponsorship
First Financial Bank Texas has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1)
2024 (2)
2022 (1)
2021 (2)
Funding
Current Stage
Late StageLeadership Team
David Bailey
Chief Executive Officer and President, First Financial Bankshares
J. Kyle McVey
SVP, Chief Accounting Officer
Recent News
2025-11-07
Company data provided by crunchbase