Portfolio Manager II

Take the next step toward your new career todayBecome 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 countryThis 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 II 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:u00b7 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.u00b7 Compiles and reviews information regarding guarantors and the borrowing companyu2019s financial history and current condition.u00b7 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.u00b7 Prepares underwriting packages; communicates results and recommendations in a written narrative.u00b7 Monitors and updates pipeline and other department reports; communicates with relationship managers on status of pending petencies Required:u00b7 Working knowledge of lending and credit risk management concepts, practices and procedures.u00b7 Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications.u00b7 Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.u00b7 Strong analytical skills with the ability to interpret financial data and identify trends.u00b7 Good attention to detail and concern for data accuracy.u00b7 Excellent critical thinking and decision-making skills; demonstrated ability to make sound business judgments.u00b7 Strong customer service and communication skills, including technical writing abilities.u00b7 Excellent organizational/planning/project management skills.u00b7 Excellent time management skills.u00b7 Independent and self-motivated.u00b7 Detail oriented.u00b7 Excellent verbal and written communication skills.u00b7 Excellent analytical skills.u00b7 Excellent interpersonal skills.u00b7 Excellent customer service skills.u00b7 Ability to make difficult autonomous decisions.u00b7 Negotiation skills. Minimum Qualifications/Experience:u00b7 3-10 yearsu2019 experience as a portfolio manager or comparable experienceu00b7 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:u00b7 Bacheloru2019s degree in Accounting, Business, Finance or Economics.Work Status:u00b7 Full-Time.Supervisory Responsibility:u00b7 None.Travel:u00b7 5% - Negligible amount of travel expected.Working Conditions:u00b7 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 managementu2019s right to assign or reassign duties and responsibilities to this job at any time.Woodforest is an Equal Opportunity Employer, including Disability and Veterans. Job: Lending Organization: Texas - Houston Title: Portfolio Manager II Location: Texas-Houston Requisition ID: 072381

Created: 2026-04-04