Director of Portfolio Management

CalPrivate Bank•Newport Beach, CA

About The Position

The Director of Portfolio Management plays a pivotal role in credit risk management, administration, and operational excellence leading the team of Portfolio Managers to ensure credit risk is identified, measured, monitored, reported, and controlled. This individual ensures proper scoping, scheduling, and completion of internal loan reviews, accurate risk ratings, and prudent credit administration and collections reinforcing the Board’s and Chief Credit Officer’s (CCO) vision for exceptional credit quality, strategic growth, and operational efficiency. The Director of Portfolio Management acts as a mentor, technical expert, and solutionist, helping teams execute effectively, manage risk, and efficiently monitor the commercial and SBA loan portfolios. This position also serves as a bridge between the Market Leaders, Relationship Managers, Client Service teammates and ensure alignment, communication, and progress toward the Bank’s strategic goals. This role would work to prepare for, respond to, and generally manage all third-party loan reviews and internal audits testing controls within the credit department.

Requirements

15+ years of progressive experience in commercial credit, emphasizing credit administration and risk management, portfolio management, and leadership.
10+ years in a management or coaching role, with proven ability to control credit risk, drive efficiencies, and promote accountability while developing high-performing teams.
Strong background in loan structuring, risk identification, cash flow analysis, collateral analysis, and problem loan resolution.
Expertise with nCino or similar loan management platforms to streamline loan level performance monitoring, reporting, and enhance credit administration.
Strong analytical, organizational, and communication skills, with the ability to influence and align across markets and departments.
Proven success in reinforcing a disciplined, performance-driven credit culture.
Bachelor’s degree in Business, Finance, or related field preferred.

Responsibilities

Lead active management of the Bank’s loan portfolio across CRE, C&I, and SBA segments to ensure credit quality, compliance, and performance objectives are met.
Facilitate the bank’s internal loan review program and manage the portfolio manager staff to ensure accurate risk ratings and compliance with loan document requirements
Ensure loan reviews scheduling is dynamic, risk based, and reports detailing progress results are prepared timely and submitted to executive management and the Board’s Director Loan Committee.
Partner with the nCino product management team to leverage the platform for tracking and reporting annual loan reviews, financial ticklers, and covenant compliance across both the commercial and SBA loan portfolios.
Collaborate with Special Assets on problem loan identification, workout strategies, restructures, and loss mitigation plans.
Collaborate with other department leaders with compiling recurring reports to monitor overall credit quality and development of the quarterly CECL calculation and supporting documentation.
Partner with Client Services department to manage, monitor, and ensure timely payments, collections, and management of maturing loans.
Champion the use of technology (including nCino, CoStar, IBISWorld, portfolio analytics, and workflow tools) to increase efficiency, accuracy, and scalability.
Partner with internal and third party technological and product teams for development and continuous improvement of portfolio management processes, credit workflows, and risk monitoring systems.
Implement automation, reporting enhancements, and data-driven decision tools to support real-time portfolio insights.
Ensure departmental procedures, templates, procedures, and processes are well documented, refreshed as needed, and changes communicated to all applicable parties with training delivered as needed.
Deliver structured onboarding, working with new hires to guide them through CalPrivate systems, processes, and forms, fostering confidence and consistency.
Provide structured coaching and personalized feedback to reinforce accountability, high quality and risk focused analysis, and a production-oriented culture.
Establish and maintain performance standards for each member of the Portfolio Management team.
Collaborate within and cross departmentally to ensure processes and procedure development incorporates consideration of other team members and departments
Promote a culture of accountability, teamwork, and continuous improvement across all banking markets.