Portfolio Manager

About Us Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture. Why Join Us? We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer-owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you’ll find more than a job—you’ll find purpose. EDUCATION AND EXPERIENCE Bachelor's degree in agriculture economics, finance, business administration, or other related business field Three (3) to five (5) years of experience in banking or financial services involving credit extension, credit underwriting, analysis of commercial and capital markets portfolios. Comprehensive knowledge of lending, structuring and market pricing concepts and principles. Performs complex tasks typically following established processes. JOB SUMMARY The Portfolio Manager provides relationship management and credit support to Relationship Managers, including origination, structuring, execution, and monitoring of Capital Markets transactions. Responsible for working with the Relationship Managers and Credit Analysts on associated internal credit, research, and financial modeling functions. Supports the achievement of profitability and credit goals for the division through day-to-day management of account relationships. The Portfolio Manager supports overall lending relationships of Relationship Managers in the Capital Markets sector. Manages a portfolio of purchased and directly-originated sold loans as the secondary officer, which includes coordination of the Credit underwriting team and Relationship Managers. Responsibilities include review of supporting credit underwriting team's work, preparing and managing loan modification/amendment requests, term conversion, legal document review, reviewing and processing fixed rate conversion requests, interfacing with partners (Farm Credit and Commercial Bank partners), interfacing with internal stakeholders, including Risk, Credit Approvals, Capital Markets, and Legal. Originates and executes new business in coordination with Relationship Managers. Responsibilities include, preparing pitch materials, initial deal screening and risk analysis, preparing pre-screening memos, performing and managing due diligence activities, industry and market analysis, preparing and/or reviewing cash flow project finance models, closing activities including commitment letters and participation certificate drafting and/or review, and assisting in the review of other financial products, such as interest rate hedging and letter of credit issuances. Collaborates closely with credit underwriting team, RLT teams, and Capital Markets team to support the design, structure, and pitch for lead opportunities. Recommends credit decisions as appropriate. Manages the overall profitability and credit quality of a large and complex loan portfolio. ESSENTIAL FUNCTIONS Independently manages the day-to-day activity of an assigned portfolio of loan transactions with a mix of new and existing accounts. This includes direct partner communication(s), as nece…