FVP, Portfolio Manager Lead

Axos Bank • New York, NY

10h

About The Position

The FVP, Portfolio Manager Lead leads the ongoing management, oversight, and risk monitoring of a portfolio of Non-Real Estate Lender Finance (NRELF) relationships. The role oversees portfolio managers and analysts who evaluate portfolio performance, monitor collateral and covenant compliance, identify emerging credit risks, and support the portfolio’s long-term profitability and credit quality. The position partners with Relationship Management, Underwriting, Credit Administration, and Executive Leadership to support portfolio growth while maintaining prudent risk discipline.

The role requires extensive experience in lender finance, specialty finance, asset-backed lending, and structured credit facilities, along with strong leadership and credit risk management capabilities. Compensation is listed as $205,000–$230,000 per year, with eligibility for discretionary annual cash and restricted stock unit bonus targets of 25% each. These discretionary bonuses may be awarded semi-annually based on achievement of performance goals and targets.

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 ongoing monitoring and management 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; identify emerging issues and recommend risk mitigation strategies.
• Direct 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.
• Lead, coach, and develop portfolio management staff while fostering 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, three weeks of vacation, and holidays (about 11 per year).
• HSA or FSA account and other voluntary benefits.
• 401(k) retirement savings plan with employer match.
• 529 savings plan.
• Employee Mortgage Loan Program.
• Free access to an Axos Bank Account with Self-Directed Trading.
• Eligible for an annual discretionary cash bonus target of 25%, potentially awarded semi-annually based on performance goals and targets.
• Eligible for an annual discretionary restricted stock units bonus target of 25%, potentially awarded semi-annually based on performance goals and targets.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior