Commercial Portfolio Manager (Austin)

Commercial Portfolio Manager – Central Texas (Multiple locations)FinTrust Connect has partnered with a community-focused financial institution to identify top talent for a Commercial Portfolio Manager role. This opportunity is ideal for a credit professional who brings strong commercial underwriting experience, sound portfolio management judgment, and a client-service mindset. The position supports Relationship Managers across commercial banking and selected commercial real estate relationships, helping drive disciplined credit decisions and high-quality portfolio oversight.Why this opportunity?Culture: Collaborative, credit-focused, and relationship-driven environment with strong partnership across commercial banking, credit administration, loan operations, and branch leadership.Workplace: Hybrid or on-site, depending on market and team structure.Function: This role is centered on commercial credit analysis, portfolio monitoring, risk assessment, and ongoing support of Relationship Managers. The Commercial Portfolio Manager helps structure transactions, guide approvals, maintain compliance, and support the long-term health of the loan portfolio.Requirements:3+ years of experience in commercial credit analysis, underwriting, portfolio management, or commercial banking supportExperience supporting CRE commercial loan portfolios, with exposure to CRE and some C&I transactionsBachelor's degree in finance, accounting, business, or a related field preferredStrong financial statement analysis and cash flow evaluation skillsExperience preparing credit memos, underwriting packages, and risk assessmentsWorking knowledge of loan structuring, covenant monitoring, annual reviews, and exception trackingFamiliarity with commercial lending regulations, fair lending standards, and bank credit policyStrong proficiency in Excel and commercial credit analysis toolsAbility to work cross-functionally with Relationship Managers, Credit Administration, Loan Operations, and other internal partnersStrong written communication and presentation skillsDescription:Analyze new and existing commercial credit relationships to assess repayment capacity, collateral support, guarantor strength, and overall risk profilePrepare complete and well-supported loan presentations, including credit memoranda, transaction structure, borrower background, financial analysis, and risk recommendationsConduct ongoing portfolio management activities, including annual reviews, covenant compliance tracking, exception clearing, and risk rating evaluationPerform industry and borrower research to support underwriting and portfolio decisionsUse deeper analytical tools, including commercial real estate analysis when needed, to supplement traditional spreading and global cash flow reviewPartner with Relationship Managers to structure transactions that align with client needs and institutional credit standardsGuide requests through the credit approval process and support presentations to credit leadership and committee stakeholdersHelp ensure documentation is complete and compliant, coordinating with internal teams to resolve deficiencies or outstanding itemsMonitor portfolio performance, support delinquency reduction efforts, and identify changing risk trends within assigned relationshipsParticipate in client and prospect meetings as needed alongside Relationship ManagersBuild strong working relationships with internal stakeholders and external professionals, including attorneys, appraisers, and other transaction partnersStay current on lending products, regulatory expectations, and internal policy updates while continuing professional development.