Portfolio Manager III at Sunflower Bank NA

Austin, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

21 Jan, 26

Salary

0.0

Posted On

23 Oct, 25

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Portfolio Management, Financial Statements, Cash Flow Analysis, Commercial Lending, Underwriting, Microsoft Office Suite, Business Math Skills, Critical Thinking, Communication Skills, Interpersonal Skills, Customer Service Skills, Regulatory Compliance, Industry Trends, Problem Solving, Team Collaboration

Industry

Banking

Description

Description At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Portfolio Manager III in Texas. Description: The Portfolio Manager III position is responsible for gathering, analyzing, and interpreting financial and credit information in order to assess the creditworthiness of the company’s commercial customers, focusing on the company’s moderately complex credit relationships. The position assists Commercial Bankers in supporting new and existing loan relationships with an emphasis on maximizing credit quality and minimizing risk. Responsibilities: Review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information. Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections. Research pertinent industry and market information relevant to customers’ lines of business. Prepare a written summary of analysis for new and existing loan relationships, especially in regard to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship. Communicate key analytical finding and opinions to Commercial Bankers, management or credit officers. Assist in monitoring credit files, such as periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed. Exercise independent judgement on client relationship credit analysis and take appropriate resulting action. Participate in departmental or company-wide projects. Seek and propose process improvements. Provide technical advice and assistance to Commercial Bankers and customers. Assist as a lead in the review of work, training, and development of more junior Portfolio Managers. Attend joint calls with the Commercial Banker to gather more information about the business. Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company’s lending criteria. Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC). Education / Experience Preferred: Bachelor’s Degree in Accounting, Business, Economics, Finance, or similar field, in lieu of a degree, applicant must have a high school diploma or equivalent and have been in this discipline a minimum of 10+ years. 7+ years of experience in credit analysis/portfolio management in a commercial lending environment required. Must possess sound area of underwriting in areas of commercial lending such as commercial real estate, commercial and industrial lending. Must possess proven ability to successfully understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns. Must be proficient in Microsoft Office Suite. Must possess strong business math skills. Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing. Must possess ability to multi-task, prioritize and meet deadlines. Must have ability to work collaboratively by finding common ground to solve problems with the ability to represent his/her own opinion. Must remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to develop professionally. Must possess excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators. Must be able to work flexible hours. Pay is dependent on knowledge, skills, abilities, experience, and location. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at www.sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

Responsibilities

The Portfolio Manager III is responsible for analyzing financial and credit information to assess the creditworthiness of commercial customers. This role involves preparing detailed reports, communicating findings, and assisting in monitoring credit files.