{"id":1742909,"url":"https://alion.io/job/encore-bank-portfolio-manager","title":"Portfolio Manager","company":{"id":3796247,"name":"Encore Bank","domain":"bankencore.com","url":"https://alion.io/company/bankencore","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Paycom","truth_index":null},"role":"Management","role_family":"Management","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Fort Worth, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":83000,"max_usd":154000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":4158},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Office","optional":false}],"status":"live","first_seen_at":"2026-10-03T04:10:37Z","employer_posted_date":"2026-10-03","last_verified_at":"2026-10-19T06:59:55Z","board_verified":true,"closed_at":null,"days_open":16,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":16},"description":"Job Summary:\nThe Portfolio Manager II role is the connective tissue between clients, credit, and confidence; turning raw financial details into clear credit decisions that keep deals moving forward. The Portfolio Manager II will partner closely with Relationship Managers from the very first client conversation, dive deep into financials, and shape accurate, well-supported credit stories that stand up to underwriting and approval.\nThis position will analyze cash flows, spreads, and projections, prepare and review credit memos and risk ratings, and keep a watchful eye on asset quality across the portfolio. From construction draws and borrowing base tracking to appraisals, environmental reports, and loan documents, the Portfolio Manager II will be the detail-oriented risk spotter who ensures everything aligns with policy, performance, and reality.\nEqually comfortable collaborating with Credit Analysts, Underwriting, senior leadership, and clients, this position will manage questions, comments, and conditions with clarity and follow-through. Part analyst, part project manager, part trusted advisor; the Portfolio Manager II will bring structure to complexity, insight to decisions, and consistency to the credit process. Bottom line: The Portfolio Manager II will help the bank lend smart, stay informed, and manage risk without slowing momentum.\nPrimary Responsibilities:\nThe physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.\nCollaborates with Relationship Manager (RM) on front-end client conversations and gathers high-level details\nSpreads financials in Moody’s and the Bank’s Excel cash flow templates and prepares full credit memos/packages for smaller credits, and/or works with Credit Underwriting as needed/applicable.\nComprehensively reviews loan package (tax returns, K-1s, interim financials, etc.) prior to submitting to Credit Underwriting [documents/needs checklist].\nCollaborates with Credit Underwriting, RM, and clients to ensure all additional information requested (including underwriting questions) is received and sufficient to address all needs/questions.\nWorks with approvers and Credit Analyst to ensure all comments and questions are addressed, responding to each comment/question with the status, nature of update, and/or a redline version.\nWorks alongside Credit Analysts to guide the development and analysis of financial data for new, renewing, or modifying credits.\nWrites Credit Memos as needed for collateral releases, loan modifications, and file updates\nPrepares Annual Risk Rating Certifications (on credits of between $1MM and $3MM).\nPrepares Risk Rating Change Forms (see Risk Rating Changes Guide-Procedures).\nConducts high-level reviews of third-party construction inspection reports to determine whether construction projects are on-time and on-budget. Alerts RM to any concerns and works with borrower and RM to remedy any issues.\nCreates and continuously monitors a portfolio BBC tracking spreadsheet with details on draw requests (from both the client and Bank perspective [create client document]), contact list, documentation, who does what (dual control), etc. [Loan Administrator and Office Manager (Stephanie and Chris M.) serve as QC/backup].\nReviews BBCs and supporting documentation for accuracy and compliance, while ensuring exceptions are cleared in SIBanking. Alerts RM to any concerns regarding trends, over-advances, concentrations, etc. and handles appropriate processes as needed.\nUpdates Senior Credit Officer (SCO) on all matters related to asset quality during monthly AQ Meetings, serving as the market’s primary contact for the meeting.\nAbility to spread/review cash flows and Moody’s spreads (prepared by the Credit Analyst, if needed), conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank’s policy and procedures.\nAbility to spread and interpret financial statements, tax returns, and projections using Excel\nAbility to prepare Credit Reviews for each loan on a regular schedule to review overall asset quality and risk rating including performance against original underwriting expectations. \nAbility to review residential and commercial real estate appraisals, Environmental Reports, title commitments and bring any associated risks to the attention of the Relationship Manager.\nAbility to thoroughly review loan documents (bank prepared or attorney prepared) for accuracy based on the loan approval.\nConsulting and negotiating with clients regarding financial transactions, payment terms, and credit limits\nEffective understanding of business, economic and industry risk\nOther duties as assigned\nSupervisory Responsibilities:\nNone.\nQualifications\nSkills and Qualifications:\nThese specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines:\nAt least 5 years of Portfolio Manager, Commercial Banking experience related to credit analysis and/or loan assistant experience or combination thereof\nBachelor’s degree in Finance, Accounting or other business related fields\nProficiency in analyzing and understanding financial statements, ratios and concepts\nAbility to effectively manage competing deadlines for projects in a high pressure work environment with varying degrees of supervision\nExperience with loan origination systems. Hawthorn River experience preferred\nAbility to work independently with limited supervision\nExceptional written and verbal communication skills\nComputer and Office Equipment Skills:\nMicrosoft Office Suite including Word, Excel, and PowerPoint\nPhysical Requirements:\nThe physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.\nWhile performing the duties of this job this individual is regularly required to stand for long periods of time, walk, sit, talk, hear, use their hands and fingers (manual dexterity), use a telephone, and occasionally lift and /or move up to 25 pounds. \nSpecific vision abilities required by this position include, close vision, and the ability to adjust focus.\nMental Requirements:\nThe ability to solve problems, make decisions, supervise others, interpret data, organize information, written and oral communication and read/write.\nEqual Opportunity Employer/Protected Veterans/Individuals with Disabilities\nEncore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status or any other characteristic protected by law.\nOffered Benefits:\nMedical\nDental\nVision\nEmployer Paid Life Insurance\nSupplemental Life Insurance\nEmployee Stock Program\n401K","description_format":"text","description_chars":7430,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Life insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Commercial & Retail Banks","Business & SME Lending"],"lifecycle":[{"event":"open","at":"2026-10-03T04:10:37Z"}],"visa":[],"liveness":{"score":68,"band":"ok","label":"Likely open","p_open":1,"p_active":0.752,"p_room":0.9,"age_days":16,"expected_fill_days":26,"reasons":["conf:2","win:mid"],"computed_at":"2026-10-19T05:45:15Z"},"pay":null,"html_url":"https://alion.io/job/encore-bank-portfolio-manager","json_url":"https://alion.io/job/encore-bank-portfolio-manager.json","meta":{"generated_at":"2026-10-19T09:05:12Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":6323,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-20T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":3796247},"rest":"https://alion.io/mcp/rest/get_company?id=3796247"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fencore-bank-portfolio-manager"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fencore-bank-portfolio-manager"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fencore-bank-portfolio-manager"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/encore-bank-portfolio-manager\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fencore-bank-portfolio-manager"}]}