Senior CRE Credit Products Portfolio Manager

Position Title

Senior CRE Credit Products Portfolio Manager

Houston, TX 77079

The Senior CRE Credit Products Portfolio Manager is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long‑term portfolio health while supporting the bank’s growth objectives.

Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

• Complex Credit Structuring & Underwriting
  :
  Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
• Portfolio Strategy & Risk Oversight
  :
  Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Client & Executive Leadership Engagement
  :
  Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
• Credit Agreement Negotiation
  :
  Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Team Leadership & Mentorship
  :
  Mentor junior credit professionals, providing training and leadership in credit risk best practices. Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyzes and resolves problems pertaining to the assigned portfolio.

• Strategic Credit Expertise:
  Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.
• High‑Level Risk Oversight:
  Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
• Client & Executive Engagement:
  Strong ability to interact with senior leadership, legal teams, and high‑profile clients on structuring and negotiating credit agreements.
• Deal Structuring & Negotiation:
  Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
• Leadership & Mentorship:
  Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture.
• Change Management & Innovation:
  Identifies opportunities for process improvement, technology adoption, and best practice implementation.
• Regulatory & Policy Knowledge:
  Deep understanding of credit policies, compliance standards, and legal considerations in lending.
• Executive‑Level Communication:
  Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross‑functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.

Physical demands (ADA):
No unusual physical exertion is involved.

• Education level preferred:
  Master's Degree (or Postgraduate equivalent) MBA or CFA preferred.

• Education level required:
  Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience.
• Minimum experience required: 10+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis.
• Deep expertise in structuring and negotiating complex credit agreements.
• Strong leadership…