FVP, Portfolio Manager Lead
About The Position
The FVP, Portfolio Manager Lead is responsible for leading the ongoing management, oversight, and risk monitoring of a portfolio of Non-Real Estate Lender Finance (NRELF) relationships. This role oversees a team of portfolio managers and analysts responsible for evaluating portfolio performance, monitoring collateral and covenant compliance, identifying emerging credit risks, and supporting the long-term profitability and credit quality of the portfolio. The ideal candidate brings extensive experience in lender finance, specialty finance, asset-backed lending, and structured credit facilities, along with strong leadership capabilities and a deep understanding of credit risk management. This position serves as a key partner to Relationship Management, Underwriting, Credit Administration, and Executive Leadership to support portfolio growth while maintaining prudent risk discipline.
Requirements
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
- 8+ years of experience in commercial banking, specialty finance, lender finance, asset-based lending, structured finance, or portfolio management
- 3+ years of leadership experience managing portfolio management, underwriting, or credit teams
- Strong understanding of lending structures supporting specialty finance companies, consumer lenders, equipment finance companies, fintechs, and other non-bank financial institutions
- Experience analyzing borrowing bases, collateral performance, cash flow trends, financial statements, and credit risk metrics
- Knowledge of structured lending facilities, warehouse lines, asset-backed lending, and lender finance transactions
- Strong analytical, problem-solving, and credit decision-making skills
- Excellent verbal and written communication skills, including the ability to present complex credit matters to senior leadership and credit committees
- Proven ability to manage multiple priorities in a fast-paced, growth-oriented environment
- Proficiency with financial analysis, portfolio reporting, and risk management tools
Responsibilities
- Lead a team responsible for the ongoing monitoring and management of a portfolio of lender finance relationships, including specialty finance companies, consumer lenders, equipment finance companies, funders, and other non-bank financial institutions
- Oversee portfolio performance, collateral quality, covenant compliance, advance rates, borrowing base reporting, and overall credit risk exposure
- Review borrower financial performance, collateral trends, concentration risks, and portfolio metrics to identify emerging issues and recommend appropriate risk mitigation strategies
- Direct the preparation and review of annual credit reviews, risk rating assessments, amendments, waivers, and portfolio reporting
- Partner with Relationship Managers, Underwriters, and Credit Approvers throughout the life cycle of lending relationships
- Support structuring, underwriting, and execution of new transactions, renewals, and modifications
- Ensure timely completion of portfolio monitoring requirements, covenant testing, borrowing base reviews, field examinations, and third-party reporting
- Provide leadership, coaching, and development to portfolio management staff while fostering a culture of accountability, collaboration, and continuous improvement
- Monitor adherence to internal credit policies, regulatory expectations, audit standards, and risk management frameworks
- Prepare and present portfolio performance, risk trends, and concentration analyses to senior management, credit committees, and risk committees
- Drive process improvements, reporting enhancements, and portfolio management best practices to improve operational efficiency and risk oversight
Benefits
- Medical, Dental, Vision, and Life Insurance
- Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
- HSA or FSA account and other voluntary benefits
- 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
- Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading
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What This Job Offers
Job Type
Full-time
Career Level
Senior
