At Amegy Bank, everyone counts!  Your contributions are valued, and everyone has the opportunity to grow in their career. We're committed to doing the very best for our customers, our communities, and our employees.

 We are looking for a seasoned Portfolio Manager to join our Commercial team in The Woodlands, TX.  This role will focus on managing and servicing loan portfolios, spreading and analyzing financial statements, and identifying industry risk.

 The ideal candidate will have the skills and experience necessary to:

• Manage and service an affordable multi-family housing portfolio of loan relationships, that utilize various forms of construction and permanent financing, including but not limited to Low Income Housing Tax Credit (LIHTC) equity, tax exempt multifamily mortgage revenue bonds, various state, and federal loans/grants, and/or other conventional financing.
• Prepare and analyze financial models detailing development budgets and operating proformas for multifamily transactions subject to various rental restrictions
• Collect, review, and organize due diligence required to evaluate transaction feasibility, including, but not limited to, entity organizational documents, financing documents, financial statements, and construction documents.
• Review, interpret, and apply rules and guidelines governing the allocation of LIHTCs, tax exempt multifamily mortgage revenue bonds, and various construction and permanent debt products.
• Engage, review, and analyze third party reports including, but not limited to, appraisals, market studies, plan and cost reviews, physical needs assessments, and phase I environmental site assessments.
• Evaluate the feasibility of proposed affordable multifamily transactions and either support or decline advancement to closing and funding.
• Prepare detailed underwriting reports supporting a recommendation for a LIHTC allocation, tax-exempt multifamily mortgage revenue bond allocation, and/or other debt products.
• Present underwriting reports to credit related to the analysis, risks, recommendations, and conclusions.
• Spread and analyze financial statements, addressing industry risks and mitigants, collateral requirements, loan structuring and pricing, credit analysis including validation of various underwriting models, policy exception identification, monitoring credit performance, and completing loan presentations including new commitments, modifications, and renewals.
• Responsible for risk rating assessment and periodic relationship reviews.
• Responsible for covenant management and validating covenant compliance.
• Report on portfolio quality related to past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, etc.
• Maintain existing relationships
• Support Relationship Managers with credit requests.
• Expand, build, and maintain client relationships, providing the highest level of customer service.
• Cross sell other bank products.
• Perform other duties as required.

 Qualifications:

• Typically requires a bachelor's degree in General Business, Finance, Accounting, Commercial Banking or equivalent/relevant program and 2+ years' directly related experience preferred. Accounting or Finance Degree preferred. 
• A combination of education and experience may meet qualifications.
• Strong writing, interpersonal and communication skills.
• Effective Microsoft Office skills including Outlook, Excel, and Word to produce reports, memos, and loan presentations.
• Moderate knowledge of credit analysis; spreading and analyzing financial statements; credit scoring; loan documentation.
• Experience in the different types of affordable housing programs, i.e., LIHTC, 4% Tax Exempt Bonds, HOME, preferred but not required
• Knowledge of tax credit equity, government, and private lending platforms, including credit enhancement and rental subsidy programs preferred but not required.
• Experience with bank loan and deposit systems preferred, not required.

Benefits: 

• Medical, Dental and Vision Insurance - START DAY ONE! 
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

About Zions Bancorporation

Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $2.9 billion in 2021 and more than $90 billion of total assets. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending, ranking as the tenth largest provider in the U.S. of the SBA’s Paycheck Protection Program loans. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.

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