Job Description Job Description Essential Functions: The position of Financial Service Representative (FSR) is responsible for providing exemplary customer service to all bank customers. The FSR is responsible for answering questions and providing information upon request from bank customers and assisting them in understanding and utilizing the banks products and services. Opening and servicing new and existing bank customers accounts. The FSR will assist and support the Lobby Manager in leading other employees to meet and exceed excellent customer experience. Maintain and operate a teller cash drawer in order to process customer transaction requests. Establish and maintain customer records in order to adhere to all banking regulations. The Financial Service Representative must help assure compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations. JOB DUITES: New Accounts Interview consumer(s) desiring to establish a banking relationship with Third Coast Bank SSB. Responsible for maintaining current knowledge of bank products and services offered. Open new accounts and service existing accounts for personal and commercial customers. Obtain consumer identification information as required per CIP and the USA Patriot Act. (Information must be obtained prior to opening an account.) Obtain all required identification information and commercial documentation for business customers as required per CIP. (Prior to opening a business account.) Update customer files, signature cards, resolutions, etc. for bank records. Screen personal account holders via ChexSystems. Screen commercial accounts via FIS eAccess/ChexSystems online Process ATM/Debit Card and check order requests. Establish and reset online banking access through NetTeller. Cross-sell bank products and services to new and existing bank customers. Open, close and service certificate of deposits for personal and commercial customers Process Individual Retirement Accounts (IRA) opening, closing, and transfer request. Establish and update new account files. Maintain daily rate sheet. Serve as a Notary for bank customers as well as bank personnel (if approved by bank Cashier). Teller Line Maintain and operate a teller cash drawer. Assist bank customers with account deposits, check cashing, and savings and checking withdrawals. Process loan payments. Issue Cashiers checks and money orders. Keep records of money and negotiable instruments as required per banking regulations. Adhere to BSA regulations for reporting CTR, MIL, and SAR documentation. Answer general account questions for bank customers. Cross-sell bank products and services. Scan all proof work through Branch Capture and confirm all work has been balanced at the close of the business day with FIS. Balance cash drawer at the close of the business day. File all proof work at the close of the business day. Safe Deposit Box: (if applicable at your assigned branch location) Open and close safe deposit boxes via FIS. Establish and update safe deposit box account files. Prepare new and updated safe deposit box contracts. Allow access to Safe Deposit Box Vault to customers. Complete entry tickets for customers accessing box and enter the data into FIS. Maintain current job knowledge and adhere to all bank policies and procedures Maintain current job knowledge of bank products and services. Practice quality teamwork to ensure the success of the bank as a whole as well as your assigned banking center. Answer telephones, answer questions and direct callers to proper Bank personnel. Assume responsibility for various department functions in the absence of staff members or in overwhelming situations. Supervisory Responsibility: This position has no supervisory responsibilities. Job Type: This is a full-time, non-exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Travel: No travel is expected for this position. Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching. Mental Demands: The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions. Education and Experience: These 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. High school diploma or general education degree (GED) required, Bachelors degree preferred; minimum of one (1) year teller experience, two (2) years of new accounts experience of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution cash handling and customer service background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Bilingual in Spanish is preferred. Intermediate experience, knowledge and training in branch operation activities, terminology and products and services. Knowledge of related state and federal banking compliance regulations, and other Bank operational policies. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs.
11/13/2026
Full time
Job Description Job Description Essential Functions: The position of Financial Service Representative (FSR) is responsible for providing exemplary customer service to all bank customers. The FSR is responsible for answering questions and providing information upon request from bank customers and assisting them in understanding and utilizing the banks products and services. Opening and servicing new and existing bank customers accounts. The FSR will assist and support the Lobby Manager in leading other employees to meet and exceed excellent customer experience. Maintain and operate a teller cash drawer in order to process customer transaction requests. Establish and maintain customer records in order to adhere to all banking regulations. The Financial Service Representative must help assure compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations. JOB DUITES: New Accounts Interview consumer(s) desiring to establish a banking relationship with Third Coast Bank SSB. Responsible for maintaining current knowledge of bank products and services offered. Open new accounts and service existing accounts for personal and commercial customers. Obtain consumer identification information as required per CIP and the USA Patriot Act. (Information must be obtained prior to opening an account.) Obtain all required identification information and commercial documentation for business customers as required per CIP. (Prior to opening a business account.) Update customer files, signature cards, resolutions, etc. for bank records. Screen personal account holders via ChexSystems. Screen commercial accounts via FIS eAccess/ChexSystems online Process ATM/Debit Card and check order requests. Establish and reset online banking access through NetTeller. Cross-sell bank products and services to new and existing bank customers. Open, close and service certificate of deposits for personal and commercial customers Process Individual Retirement Accounts (IRA) opening, closing, and transfer request. Establish and update new account files. Maintain daily rate sheet. Serve as a Notary for bank customers as well as bank personnel (if approved by bank Cashier). Teller Line Maintain and operate a teller cash drawer. Assist bank customers with account deposits, check cashing, and savings and checking withdrawals. Process loan payments. Issue Cashiers checks and money orders. Keep records of money and negotiable instruments as required per banking regulations. Adhere to BSA regulations for reporting CTR, MIL, and SAR documentation. Answer general account questions for bank customers. Cross-sell bank products and services. Scan all proof work through Branch Capture and confirm all work has been balanced at the close of the business day with FIS. Balance cash drawer at the close of the business day. File all proof work at the close of the business day. Safe Deposit Box: (if applicable at your assigned branch location) Open and close safe deposit boxes via FIS. Establish and update safe deposit box account files. Prepare new and updated safe deposit box contracts. Allow access to Safe Deposit Box Vault to customers. Complete entry tickets for customers accessing box and enter the data into FIS. Maintain current job knowledge and adhere to all bank policies and procedures Maintain current job knowledge of bank products and services. Practice quality teamwork to ensure the success of the bank as a whole as well as your assigned banking center. Answer telephones, answer questions and direct callers to proper Bank personnel. Assume responsibility for various department functions in the absence of staff members or in overwhelming situations. Supervisory Responsibility: This position has no supervisory responsibilities. Job Type: This is a full-time, non-exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Travel: No travel is expected for this position. Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching. Mental Demands: The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions. Education and Experience: These 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. High school diploma or general education degree (GED) required, Bachelors degree preferred; minimum of one (1) year teller experience, two (2) years of new accounts experience of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution cash handling and customer service background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Bilingual in Spanish is preferred. Intermediate experience, knowledge and training in branch operation activities, terminology and products and services. Knowledge of related state and federal banking compliance regulations, and other Bank operational policies. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs.
Job Description Job Description The Senior Portfolio Manager Asset-Based Lending is a senior member of the Bank's Asset-Based Lending team responsible for the ongoing credit, portfolio management, and risk oversight of complex ABL relationships. This individual will partner closely with ABL Relationship Managers, Credit, Field Examination, Loan Operations, and other internal stakeholders to support the growth and management of the Bank's asset-based lending portfolio. The role requires significant experience with borrowing base structures, collateral analysis, financial performance monitoring, loan documentation, and complex commercial credit. The Senior Portfolio Manager will serve as a primary credit resource within the ABL team and is expected to independently manage relationships throughout the credit lifecycle, from underwriting and closing through ongoing monitoring, amendments, renewals, and problem resolution. This position is designed for an experienced ABL professional capable of operating with a high degree of autonomy while maintaining disciplined credit standards and providing the portfolio infrastructure necessary to support continued growth of the Bank's ABL platform. Essential Duties & Responsibilities Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Portfolio Management & Credit Oversight Manage a portfolio of asset-based lending relationships, maintaining comprehensive knowledge of each borrower's financial condition, collateral position, operating performance, liquidity, and overall risk profile. Serve as a primary point of coordination between Relationship Management, Credit Administration, Field Examination, Loan Operations, and other internal partners. Independently analyze borrower financial statements, projections, liquidity, cash flow, leverage, working capital trends, and collateral performance. Monitor borrower performance against approved credit expectations and proactively identify emerging risks, deterioration, or changes in collateral quality. Prepare and present annual reviews, renewals, amendments, waivers, modifications, and other credit approval requests. Maintain appropriate risk ratings and recommend changes when warranted by borrower performance or other developments. Ensure credit files, financial reporting, collateral monitoring, and approval documentation remain accurate, current, and consistent with Bank policy. Asset-Based Lending Review and analyze borrowing-base certificates and supporting collateral information, including accounts receivable, inventory, reserves, ineligibles, dilution, concentration, and availability. Evaluate collateral eligibility and advance rates and identify trends that may affect borrowing availability or the Bank's collateral position. Monitor collateral reporting requirements and ensure exceptions are identified, escalated, and resolved appropriately. Review field examination results and work with internal and external field exam resources to address findings and determine appropriate credit or structural responses. Analyze accounts receivable aging, inventory reporting, customer concentrations, dilution trends, turnover, and other collateral metrics. Understand and administer complex ABL structures, including revolving lines of credit, term loans, seasonal facilities, acquisition financing, and other working-capital-oriented structures. Monitor excess availability, liquidity, covenant compliance, reserves, dominion arrangements, and other structural protections. Partner with the ABL team to structure facilities appropriately based upon borrower risk, collateral quality, liquidity needs, and overall relationship considerations. Underwriting & Transaction Execution Partner with Relationship Managers on new ABL opportunities, including initial credit assessment, due diligence, structuring, underwriting, and closing. Prepare or oversee detailed credit underwriting and approval materials for new and existing relationships. Evaluate transaction structure, collateral coverage, repayment capacity, enterprise risk, management capabilities, industry dynamics, and potential downside scenarios. Coordinate with internal and external legal counsel on loan documentation and ensure approved credit terms are accurately reflected in definitive documents. Assist in managing transactions through closing, including satisfaction of credit approval conditions, collateral requirements, documentation, and operational readiness. Provide informed credit judgment regarding proposed structures, exceptions, and changes to existing facilities. Risk Management Maintain a strong understanding of Bank credit policy, ABL procedures, regulatory requirements, and applicable risk-management standards. Proactively identify deteriorating credits and communicate concerns to ABL leadership and Credit Administration. Develop appropriate action plans for criticized or higher-risk relationships and closely monitor progress against established objectives. Work collaboratively with Special Assets when relationships require elevated monitoring, restructuring, or transfer. Maintain disciplined portfolio management practices while supporting the Bank's strategic growth objectives. Participate in internal portfolio reviews, credit discussions, regulatory examinations, and audits as required. Leadership & Partnership Serve as an experienced resource and subject-matter expert for junior Portfolio Managers, Underwriters, Analysts, and other members of the ABL team. Provide coaching and technical guidance related to ABL underwriting, collateral analysis, portfolio management, and credit structuring. Develop strong working relationships across Corporate Banking, Credit Administration, Treasury Management, Loan Operations, and other areas of the Bank. Partner with Relationship Managers in client interactions when credit, collateral, or structural expertise is required. Help develop scalable portfolio-management processes and best practices as the Bank continues to expand its ABL capabilities. Qualifications Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required. 10+ years of commercial banking, commercial credit, portfolio management, or underwriting experience. Significant direct experience in Asset-Based Lending strongly preferred. Demonstrated experience managing complex middle-market commercial credit relationships. Strong working knowledge of borrowing base structures, accounts receivable and inventory financing, collateral eligibility, advance rates, reserves, dilution, field examinations, and collateral monitoring. Strong financial statement analysis, cash flow analysis, and commercial credit underwriting capabilities. Experience underwriting and managing revolving credit facilities and other working-capital-oriented financing structures. Thorough understanding of commercial loan documentation, covenants, collateral perfection, and credit administration. Demonstrated ability to identify credit deterioration and proactively manage emerging portfolio risk. Ability to independently manage multiple complex relationships and transactions in a fast-paced environment. Strong written and verbal communication skills, including the ability to clearly articulate credit recommendations and risk considerations to senior management and credit approval authorities. Strong judgment, attention to detail, and ability to balance prudent risk management with the commercial objectives of the Bank. Preferred Experience 10-15+ years of commercial banking and credit experience with substantial tenure directly supporting an Asset-Based Lending platform. Experience with middle-market borrowers and complex working-capital facilities. Experience with syndicated or participated ABL facilities. Experience working with external field examination firms, appraisers, legal counsel, and other third-party diligence providers. Experience managing borrowers through periods of underperformance, covenant default, liquidity pressure, or restructuring. Prior experience mentoring or developing junior credit and portfolio-management professionals. Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Direct Reports: Yes, in the future. Travel: Some travel between Third Coast Bank offices may be required. Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. Mental Demands: The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks . click apply for full job details
11/13/2026
Full time
Job Description Job Description The Senior Portfolio Manager Asset-Based Lending is a senior member of the Bank's Asset-Based Lending team responsible for the ongoing credit, portfolio management, and risk oversight of complex ABL relationships. This individual will partner closely with ABL Relationship Managers, Credit, Field Examination, Loan Operations, and other internal stakeholders to support the growth and management of the Bank's asset-based lending portfolio. The role requires significant experience with borrowing base structures, collateral analysis, financial performance monitoring, loan documentation, and complex commercial credit. The Senior Portfolio Manager will serve as a primary credit resource within the ABL team and is expected to independently manage relationships throughout the credit lifecycle, from underwriting and closing through ongoing monitoring, amendments, renewals, and problem resolution. This position is designed for an experienced ABL professional capable of operating with a high degree of autonomy while maintaining disciplined credit standards and providing the portfolio infrastructure necessary to support continued growth of the Bank's ABL platform. Essential Duties & Responsibilities Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Portfolio Management & Credit Oversight Manage a portfolio of asset-based lending relationships, maintaining comprehensive knowledge of each borrower's financial condition, collateral position, operating performance, liquidity, and overall risk profile. Serve as a primary point of coordination between Relationship Management, Credit Administration, Field Examination, Loan Operations, and other internal partners. Independently analyze borrower financial statements, projections, liquidity, cash flow, leverage, working capital trends, and collateral performance. Monitor borrower performance against approved credit expectations and proactively identify emerging risks, deterioration, or changes in collateral quality. Prepare and present annual reviews, renewals, amendments, waivers, modifications, and other credit approval requests. Maintain appropriate risk ratings and recommend changes when warranted by borrower performance or other developments. Ensure credit files, financial reporting, collateral monitoring, and approval documentation remain accurate, current, and consistent with Bank policy. Asset-Based Lending Review and analyze borrowing-base certificates and supporting collateral information, including accounts receivable, inventory, reserves, ineligibles, dilution, concentration, and availability. Evaluate collateral eligibility and advance rates and identify trends that may affect borrowing availability or the Bank's collateral position. Monitor collateral reporting requirements and ensure exceptions are identified, escalated, and resolved appropriately. Review field examination results and work with internal and external field exam resources to address findings and determine appropriate credit or structural responses. Analyze accounts receivable aging, inventory reporting, customer concentrations, dilution trends, turnover, and other collateral metrics. Understand and administer complex ABL structures, including revolving lines of credit, term loans, seasonal facilities, acquisition financing, and other working-capital-oriented structures. Monitor excess availability, liquidity, covenant compliance, reserves, dominion arrangements, and other structural protections. Partner with the ABL team to structure facilities appropriately based upon borrower risk, collateral quality, liquidity needs, and overall relationship considerations. Underwriting & Transaction Execution Partner with Relationship Managers on new ABL opportunities, including initial credit assessment, due diligence, structuring, underwriting, and closing. Prepare or oversee detailed credit underwriting and approval materials for new and existing relationships. Evaluate transaction structure, collateral coverage, repayment capacity, enterprise risk, management capabilities, industry dynamics, and potential downside scenarios. Coordinate with internal and external legal counsel on loan documentation and ensure approved credit terms are accurately reflected in definitive documents. Assist in managing transactions through closing, including satisfaction of credit approval conditions, collateral requirements, documentation, and operational readiness. Provide informed credit judgment regarding proposed structures, exceptions, and changes to existing facilities. Risk Management Maintain a strong understanding of Bank credit policy, ABL procedures, regulatory requirements, and applicable risk-management standards. Proactively identify deteriorating credits and communicate concerns to ABL leadership and Credit Administration. Develop appropriate action plans for criticized or higher-risk relationships and closely monitor progress against established objectives. Work collaboratively with Special Assets when relationships require elevated monitoring, restructuring, or transfer. Maintain disciplined portfolio management practices while supporting the Bank's strategic growth objectives. Participate in internal portfolio reviews, credit discussions, regulatory examinations, and audits as required. Leadership & Partnership Serve as an experienced resource and subject-matter expert for junior Portfolio Managers, Underwriters, Analysts, and other members of the ABL team. Provide coaching and technical guidance related to ABL underwriting, collateral analysis, portfolio management, and credit structuring. Develop strong working relationships across Corporate Banking, Credit Administration, Treasury Management, Loan Operations, and other areas of the Bank. Partner with Relationship Managers in client interactions when credit, collateral, or structural expertise is required. Help develop scalable portfolio-management processes and best practices as the Bank continues to expand its ABL capabilities. Qualifications Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required. 10+ years of commercial banking, commercial credit, portfolio management, or underwriting experience. Significant direct experience in Asset-Based Lending strongly preferred. Demonstrated experience managing complex middle-market commercial credit relationships. Strong working knowledge of borrowing base structures, accounts receivable and inventory financing, collateral eligibility, advance rates, reserves, dilution, field examinations, and collateral monitoring. Strong financial statement analysis, cash flow analysis, and commercial credit underwriting capabilities. Experience underwriting and managing revolving credit facilities and other working-capital-oriented financing structures. Thorough understanding of commercial loan documentation, covenants, collateral perfection, and credit administration. Demonstrated ability to identify credit deterioration and proactively manage emerging portfolio risk. Ability to independently manage multiple complex relationships and transactions in a fast-paced environment. Strong written and verbal communication skills, including the ability to clearly articulate credit recommendations and risk considerations to senior management and credit approval authorities. Strong judgment, attention to detail, and ability to balance prudent risk management with the commercial objectives of the Bank. Preferred Experience 10-15+ years of commercial banking and credit experience with substantial tenure directly supporting an Asset-Based Lending platform. Experience with middle-market borrowers and complex working-capital facilities. Experience with syndicated or participated ABL facilities. Experience working with external field examination firms, appraisers, legal counsel, and other third-party diligence providers. Experience managing borrowers through periods of underperformance, covenant default, liquidity pressure, or restructuring. Prior experience mentoring or developing junior credit and portfolio-management professionals. Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Direct Reports: Yes, in the future. Travel: Some travel between Third Coast Bank offices may be required. Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. Mental Demands: The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks . click apply for full job details
Job Description Job Description The Senior Portfolio Manager Asset-Based Lending is a senior member of the Bank's Asset-Based Lending team responsible for the ongoing credit, portfolio management, and risk oversight of complex ABL relationships. This individual will partner closely with ABL Relationship Managers, Credit, Field Examination, Loan Operations, and other internal stakeholders to support the growth and management of the Bank's asset-based lending portfolio. The role requires significant experience with borrowing base structures, collateral analysis, financial performance monitoring, loan documentation, and complex commercial credit. The Senior Portfolio Manager will serve as a primary credit resource within the ABL team and is expected to independently manage relationships throughout the credit lifecycle, from underwriting and closing through ongoing monitoring, amendments, renewals, and problem resolution. This position is designed for an experienced ABL professional capable of operating with a high degree of autonomy while maintaining disciplined credit standards and providing the portfolio infrastructure necessary to support continued growth of the Bank's ABL platform. Essential Duties & Responsibilities Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Portfolio Management & Credit Oversight Manage a portfolio of asset-based lending relationships, maintaining comprehensive knowledge of each borrower's financial condition, collateral position, operating performance, liquidity, and overall risk profile. Serve as a primary point of coordination between Relationship Management, Credit Administration, Field Examination, Loan Operations, and other internal partners. Independently analyze borrower financial statements, projections, liquidity, cash flow, leverage, working capital trends, and collateral performance. Monitor borrower performance against approved credit expectations and proactively identify emerging risks, deterioration, or changes in collateral quality. Prepare and present annual reviews, renewals, amendments, waivers, modifications, and other credit approval requests. Maintain appropriate risk ratings and recommend changes when warranted by borrower performance or other developments. Ensure credit files, financial reporting, collateral monitoring, and approval documentation remain accurate, current, and consistent with Bank policy. Asset-Based Lending Review and analyze borrowing-base certificates and supporting collateral information, including accounts receivable, inventory, reserves, ineligibles, dilution, concentration, and availability. Evaluate collateral eligibility and advance rates and identify trends that may affect borrowing availability or the Bank's collateral position. Monitor collateral reporting requirements and ensure exceptions are identified, escalated, and resolved appropriately. Review field examination results and work with internal and external field exam resources to address findings and determine appropriate credit or structural responses. Analyze accounts receivable aging, inventory reporting, customer concentrations, dilution trends, turnover, and other collateral metrics. Understand and administer complex ABL structures, including revolving lines of credit, term loans, seasonal facilities, acquisition financing, and other working-capital-oriented structures. Monitor excess availability, liquidity, covenant compliance, reserves, dominion arrangements, and other structural protections. Partner with the ABL team to structure facilities appropriately based upon borrower risk, collateral quality, liquidity needs, and overall relationship considerations. Underwriting & Transaction Execution Partner with Relationship Managers on new ABL opportunities, including initial credit assessment, due diligence, structuring, underwriting, and closing. Prepare or oversee detailed credit underwriting and approval materials for new and existing relationships. Evaluate transaction structure, collateral coverage, repayment capacity, enterprise risk, management capabilities, industry dynamics, and potential downside scenarios. Coordinate with internal and external legal counsel on loan documentation and ensure approved credit terms are accurately reflected in definitive documents. Assist in managing transactions through closing, including satisfaction of credit approval conditions, collateral requirements, documentation, and operational readiness. Provide informed credit judgment regarding proposed structures, exceptions, and changes to existing facilities. Risk Management Maintain a strong understanding of Bank credit policy, ABL procedures, regulatory requirements, and applicable risk-management standards. Proactively identify deteriorating credits and communicate concerns to ABL leadership and Credit Administration. Develop appropriate action plans for criticized or higher-risk relationships and closely monitor progress against established objectives. Work collaboratively with Special Assets when relationships require elevated monitoring, restructuring, or transfer. Maintain disciplined portfolio management practices while supporting the Bank's strategic growth objectives. Participate in internal portfolio reviews, credit discussions, regulatory examinations, and audits as required. Leadership & Partnership Serve as an experienced resource and subject-matter expert for junior Portfolio Managers, Underwriters, Analysts, and other members of the ABL team. Provide coaching and technical guidance related to ABL underwriting, collateral analysis, portfolio management, and credit structuring. Develop strong working relationships across Corporate Banking, Credit Administration, Treasury Management, Loan Operations, and other areas of the Bank. Partner with Relationship Managers in client interactions when credit, collateral, or structural expertise is required. Help develop scalable portfolio-management processes and best practices as the Bank continues to expand its ABL capabilities. Qualifications Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required. 10+ years of commercial banking, commercial credit, portfolio management, or underwriting experience. Significant direct experience in Asset-Based Lending strongly preferred. Demonstrated experience managing complex middle-market commercial credit relationships. Strong working knowledge of borrowing base structures, accounts receivable and inventory financing, collateral eligibility, advance rates, reserves, dilution, field examinations, and collateral monitoring. Strong financial statement analysis, cash flow analysis, and commercial credit underwriting capabilities. Experience underwriting and managing revolving credit facilities and other working-capital-oriented financing structures. Thorough understanding of commercial loan documentation, covenants, collateral perfection, and credit administration. Demonstrated ability to identify credit deterioration and proactively manage emerging portfolio risk. Ability to independently manage multiple complex relationships and transactions in a fast-paced environment. Strong written and verbal communication skills, including the ability to clearly articulate credit recommendations and risk considerations to senior management and credit approval authorities. Strong judgment, attention to detail, and ability to balance prudent risk management with the commercial objectives of the Bank. Preferred Experience 10-15+ years of commercial banking and credit experience with substantial tenure directly supporting an Asset-Based Lending platform. Experience with middle-market borrowers and complex working-capital facilities. Experience with syndicated or participated ABL facilities. Experience working with external field examination firms, appraisers, legal counsel, and other third-party diligence providers. Experience managing borrowers through periods of underperformance, covenant default, liquidity pressure, or restructuring. Prior experience mentoring or developing junior credit and portfolio-management professionals. Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Direct Reports: Yes, in the future. Travel: Some travel between Third Coast Bank offices may be required. Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. Mental Demands: The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks . click apply for full job details
11/13/2026
Full time
Job Description Job Description The Senior Portfolio Manager Asset-Based Lending is a senior member of the Bank's Asset-Based Lending team responsible for the ongoing credit, portfolio management, and risk oversight of complex ABL relationships. This individual will partner closely with ABL Relationship Managers, Credit, Field Examination, Loan Operations, and other internal stakeholders to support the growth and management of the Bank's asset-based lending portfolio. The role requires significant experience with borrowing base structures, collateral analysis, financial performance monitoring, loan documentation, and complex commercial credit. The Senior Portfolio Manager will serve as a primary credit resource within the ABL team and is expected to independently manage relationships throughout the credit lifecycle, from underwriting and closing through ongoing monitoring, amendments, renewals, and problem resolution. This position is designed for an experienced ABL professional capable of operating with a high degree of autonomy while maintaining disciplined credit standards and providing the portfolio infrastructure necessary to support continued growth of the Bank's ABL platform. Essential Duties & Responsibilities Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Portfolio Management & Credit Oversight Manage a portfolio of asset-based lending relationships, maintaining comprehensive knowledge of each borrower's financial condition, collateral position, operating performance, liquidity, and overall risk profile. Serve as a primary point of coordination between Relationship Management, Credit Administration, Field Examination, Loan Operations, and other internal partners. Independently analyze borrower financial statements, projections, liquidity, cash flow, leverage, working capital trends, and collateral performance. Monitor borrower performance against approved credit expectations and proactively identify emerging risks, deterioration, or changes in collateral quality. Prepare and present annual reviews, renewals, amendments, waivers, modifications, and other credit approval requests. Maintain appropriate risk ratings and recommend changes when warranted by borrower performance or other developments. Ensure credit files, financial reporting, collateral monitoring, and approval documentation remain accurate, current, and consistent with Bank policy. Asset-Based Lending Review and analyze borrowing-base certificates and supporting collateral information, including accounts receivable, inventory, reserves, ineligibles, dilution, concentration, and availability. Evaluate collateral eligibility and advance rates and identify trends that may affect borrowing availability or the Bank's collateral position. Monitor collateral reporting requirements and ensure exceptions are identified, escalated, and resolved appropriately. Review field examination results and work with internal and external field exam resources to address findings and determine appropriate credit or structural responses. Analyze accounts receivable aging, inventory reporting, customer concentrations, dilution trends, turnover, and other collateral metrics. Understand and administer complex ABL structures, including revolving lines of credit, term loans, seasonal facilities, acquisition financing, and other working-capital-oriented structures. Monitor excess availability, liquidity, covenant compliance, reserves, dominion arrangements, and other structural protections. Partner with the ABL team to structure facilities appropriately based upon borrower risk, collateral quality, liquidity needs, and overall relationship considerations. Underwriting & Transaction Execution Partner with Relationship Managers on new ABL opportunities, including initial credit assessment, due diligence, structuring, underwriting, and closing. Prepare or oversee detailed credit underwriting and approval materials for new and existing relationships. Evaluate transaction structure, collateral coverage, repayment capacity, enterprise risk, management capabilities, industry dynamics, and potential downside scenarios. Coordinate with internal and external legal counsel on loan documentation and ensure approved credit terms are accurately reflected in definitive documents. Assist in managing transactions through closing, including satisfaction of credit approval conditions, collateral requirements, documentation, and operational readiness. Provide informed credit judgment regarding proposed structures, exceptions, and changes to existing facilities. Risk Management Maintain a strong understanding of Bank credit policy, ABL procedures, regulatory requirements, and applicable risk-management standards. Proactively identify deteriorating credits and communicate concerns to ABL leadership and Credit Administration. Develop appropriate action plans for criticized or higher-risk relationships and closely monitor progress against established objectives. Work collaboratively with Special Assets when relationships require elevated monitoring, restructuring, or transfer. Maintain disciplined portfolio management practices while supporting the Bank's strategic growth objectives. Participate in internal portfolio reviews, credit discussions, regulatory examinations, and audits as required. Leadership & Partnership Serve as an experienced resource and subject-matter expert for junior Portfolio Managers, Underwriters, Analysts, and other members of the ABL team. Provide coaching and technical guidance related to ABL underwriting, collateral analysis, portfolio management, and credit structuring. Develop strong working relationships across Corporate Banking, Credit Administration, Treasury Management, Loan Operations, and other areas of the Bank. Partner with Relationship Managers in client interactions when credit, collateral, or structural expertise is required. Help develop scalable portfolio-management processes and best practices as the Bank continues to expand its ABL capabilities. Qualifications Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required. 10+ years of commercial banking, commercial credit, portfolio management, or underwriting experience. Significant direct experience in Asset-Based Lending strongly preferred. Demonstrated experience managing complex middle-market commercial credit relationships. Strong working knowledge of borrowing base structures, accounts receivable and inventory financing, collateral eligibility, advance rates, reserves, dilution, field examinations, and collateral monitoring. Strong financial statement analysis, cash flow analysis, and commercial credit underwriting capabilities. Experience underwriting and managing revolving credit facilities and other working-capital-oriented financing structures. Thorough understanding of commercial loan documentation, covenants, collateral perfection, and credit administration. Demonstrated ability to identify credit deterioration and proactively manage emerging portfolio risk. Ability to independently manage multiple complex relationships and transactions in a fast-paced environment. Strong written and verbal communication skills, including the ability to clearly articulate credit recommendations and risk considerations to senior management and credit approval authorities. Strong judgment, attention to detail, and ability to balance prudent risk management with the commercial objectives of the Bank. Preferred Experience 10-15+ years of commercial banking and credit experience with substantial tenure directly supporting an Asset-Based Lending platform. Experience with middle-market borrowers and complex working-capital facilities. Experience with syndicated or participated ABL facilities. Experience working with external field examination firms, appraisers, legal counsel, and other third-party diligence providers. Experience managing borrowers through periods of underperformance, covenant default, liquidity pressure, or restructuring. Prior experience mentoring or developing junior credit and portfolio-management professionals. Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Direct Reports: Yes, in the future. Travel: Some travel between Third Coast Bank offices may be required. Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. Mental Demands: The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks . click apply for full job details
Job Description Job Description Position Summary: The Special Assets Officer is responsible for the management, restructuring, and resolution of criticized, classified, and nonperforming commercial loans, with an emphasis on community banking relationships, small-business credits, and SBA-guaranteed loans. This is a hands-on position requiring extensive experience evaluating troubled borrowers, developing practical workout strategies, protecting collateral and guarantor positions, and maximizing recoveries while minimizing potential losses to the Bank. The position will play an important role in the assessment and resolution of problem loans within existing and acquired portfolios, working closely with the Chief Credit Officer, lending teams, Credit Administration, and outside legal counsel. Essential Functions: Independently manage a portfolio of criticized, classified, and nonperforming commercial loans, including C&I, small-business, SBA-guaranteed, and commercial real estate credits. Evaluate troubled borrower relationships and develop, recommend, and execute workout strategies, including restructurings, renewals, forbearance agreements, settlements, collateral liquidation, foreclosure, and other recovery alternatives. Manage the servicing, collection, and liquidation of SBA 7(a) and other government-guaranteed loans, ensuring compliance with applicable SBA requirements and protection of the Bank's guaranty rights. Prepare and coordinate SBA guaranty purchase requests, liquidation plans, supporting documentation, and related reporting. Identify and address potential guaranty repair or denial exposure. Evaluate loan documentation, collateral positions, lien perfection, guarantor obligations, and other factors affecting repayment and recovery. Negotiate directly with borrowers, guarantors, attorneys, and other stakeholders to achieve timely and economically sound resolutions. Coordinate legal proceedings, including bankruptcy, foreclosure, receivership, litigation, and deficiency recovery, in conjunction with internal and external counsel. Review problem loans within acquired portfolios, identify documentation deficiencies and potential credit exposure, and recommend appropriate remediation and resolution strategies. Analyze borrower cash flow, collateral values, liquidation alternatives, and potential recovery scenarios to support credit decisions and loss mitigation. Monitor delinquency trends, criticized and classified assets, nonaccrual loans, and other indicators of emerging credit deterioration. Recommend appropriate risk ratings, nonaccrual treatment, charge-offs, and reserve considerations in coordination with Credit Administration and the Bank's established policies. Prepare clear and timely workout action plans, credit memoranda, recovery estimates, and management reports for the Chief Credit Officer and appropriate credit committees. Coordinate with relationship managers and portfolio managers to identify emerging problem credits and facilitate timely transitions to Special Assets when appropriate. Manage outside professionals, including legal counsel, appraisers, brokers, collateral specialists, and liquidation vendors, while monitoring resolution costs and recovery effectiveness. Participate in Special Assets Committee meetings and other credit discussions as appropriate. Ensure all workout and recovery activities comply with applicable banking regulations, SBA requirements, and Bank policies. Perform other duties as assigned. Skills and Experience 10+ years of commercial banking or related credit experience, including significant direct experience managing troubled loans, special assets, and commercial loan workouts. Strong background in community or regional banking, with demonstrated experience handling small to middle-market commercial credit relationships. Direct, hands-on experience with SBA 7(a) loan servicing, liquidation, guaranty purchase procedures, and resolution of defaulted SBA loans strongly preferred. Demonstrated ability to independently manage problem loan relationships from initial assessment through final resolution. Strong knowledge of commercial loan documentation, collateral valuation, lien perfection, bankruptcy, foreclosure, collections, and legal recovery strategies. Experience with criticized and classified loans, nonaccrual treatment, charge-offs, and collateral-dependent credit analysis. Experience evaluating acquired loan portfolios and resolving inherited credit issues preferred. Sound credit judgment with the ability to balance practical borrower solutions against the Bank's risk and recovery objectives. Strong negotiation, analytical, organizational, and written communication skills. Ability to manage multiple problem relationships, prioritize urgent matters, and deliver results with limited supervision. Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred; equivalent relevant experience considered. Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Direct Reports: No Travel: Some travel may be required Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. Mental Demands: The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.
11/13/2026
Full time
Job Description Job Description Position Summary: The Special Assets Officer is responsible for the management, restructuring, and resolution of criticized, classified, and nonperforming commercial loans, with an emphasis on community banking relationships, small-business credits, and SBA-guaranteed loans. This is a hands-on position requiring extensive experience evaluating troubled borrowers, developing practical workout strategies, protecting collateral and guarantor positions, and maximizing recoveries while minimizing potential losses to the Bank. The position will play an important role in the assessment and resolution of problem loans within existing and acquired portfolios, working closely with the Chief Credit Officer, lending teams, Credit Administration, and outside legal counsel. Essential Functions: Independently manage a portfolio of criticized, classified, and nonperforming commercial loans, including C&I, small-business, SBA-guaranteed, and commercial real estate credits. Evaluate troubled borrower relationships and develop, recommend, and execute workout strategies, including restructurings, renewals, forbearance agreements, settlements, collateral liquidation, foreclosure, and other recovery alternatives. Manage the servicing, collection, and liquidation of SBA 7(a) and other government-guaranteed loans, ensuring compliance with applicable SBA requirements and protection of the Bank's guaranty rights. Prepare and coordinate SBA guaranty purchase requests, liquidation plans, supporting documentation, and related reporting. Identify and address potential guaranty repair or denial exposure. Evaluate loan documentation, collateral positions, lien perfection, guarantor obligations, and other factors affecting repayment and recovery. Negotiate directly with borrowers, guarantors, attorneys, and other stakeholders to achieve timely and economically sound resolutions. Coordinate legal proceedings, including bankruptcy, foreclosure, receivership, litigation, and deficiency recovery, in conjunction with internal and external counsel. Review problem loans within acquired portfolios, identify documentation deficiencies and potential credit exposure, and recommend appropriate remediation and resolution strategies. Analyze borrower cash flow, collateral values, liquidation alternatives, and potential recovery scenarios to support credit decisions and loss mitigation. Monitor delinquency trends, criticized and classified assets, nonaccrual loans, and other indicators of emerging credit deterioration. Recommend appropriate risk ratings, nonaccrual treatment, charge-offs, and reserve considerations in coordination with Credit Administration and the Bank's established policies. Prepare clear and timely workout action plans, credit memoranda, recovery estimates, and management reports for the Chief Credit Officer and appropriate credit committees. Coordinate with relationship managers and portfolio managers to identify emerging problem credits and facilitate timely transitions to Special Assets when appropriate. Manage outside professionals, including legal counsel, appraisers, brokers, collateral specialists, and liquidation vendors, while monitoring resolution costs and recovery effectiveness. Participate in Special Assets Committee meetings and other credit discussions as appropriate. Ensure all workout and recovery activities comply with applicable banking regulations, SBA requirements, and Bank policies. Perform other duties as assigned. Skills and Experience 10+ years of commercial banking or related credit experience, including significant direct experience managing troubled loans, special assets, and commercial loan workouts. Strong background in community or regional banking, with demonstrated experience handling small to middle-market commercial credit relationships. Direct, hands-on experience with SBA 7(a) loan servicing, liquidation, guaranty purchase procedures, and resolution of defaulted SBA loans strongly preferred. Demonstrated ability to independently manage problem loan relationships from initial assessment through final resolution. Strong knowledge of commercial loan documentation, collateral valuation, lien perfection, bankruptcy, foreclosure, collections, and legal recovery strategies. Experience with criticized and classified loans, nonaccrual treatment, charge-offs, and collateral-dependent credit analysis. Experience evaluating acquired loan portfolios and resolving inherited credit issues preferred. Sound credit judgment with the ability to balance practical borrower solutions against the Bank's risk and recovery objectives. Strong negotiation, analytical, organizational, and written communication skills. Ability to manage multiple problem relationships, prioritize urgent matters, and deliver results with limited supervision. Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred; equivalent relevant experience considered. Position Type: This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm. Direct Reports: No Travel: Some travel may be required Work Environment: This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers. Physical Demands: This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. Mental Demands: The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.