Business Service Operations - Mgr - Commercial Portfolio Management
About The Position
Golden 1 Credit Union is hiring a Manager - Commercial Portfolio Management in Business Services Operations. Reporting to the Director - Business Lending, this leader oversees commercial portfolio management activities to maintain a high-quality loan portfolio and support sound lending practices. The role applies commercial credit, financial analysis, portfolio administration, and risk-management expertise while leading and developing a team of Portfolio Managers, Portfolio Administrators, and Credit Analysts. The manager partners with Relationship Managers, Underwriters, Special Assets, Compliance, and other stakeholders to monitor borrower and portfolio risk, support informed decision-making, and ensure that portfolio practices, reporting, and controls meet organizational and regulatory expectations. The role also contributes to process and technology improvements, strategic initiatives, and operational efficiency. The position is hybrid in Sacramento, California, and is classified as exempt.
Requirements
- Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field; directly related experience may be considered in lieu of education.
- At least 5 years managing commercial portfolio management, commercial credit administration, commercial banking, or credit risk management functions.
Responsibilities
- Manage commercial portfolio activities, including annual reviews, covenant monitoring, financial analysis, portfolio administration, exception tracking, and risk reporting.
- Provide expertise in commercial portfolio management, credit administration, and portfolio risk oversight.
- Lead and develop Portfolio Managers, Portfolio Administrators, and Credit Analysts to ensure timely borrower monitoring, annual reviews, covenant compliance, and risk assessments.
- Coordinate with Relationship Managers, Underwriters, Special Assets, Compliance, and other stakeholders to meet portfolio objectives, service standards, and risk-management requirements.
- Review and approve portfolio actions within assigned authority limits.
- Monitor portfolio quality trends, concentrations, risk migration, and emerging credit concerns, and recommend risk-mitigation strategies.
- Ensure accurate and timely collection, analysis, and monitoring of borrower financial statements, tax returns, rent rolls, borrowing base certificates, covenant reports, and other required information.
- Maintain the integrity and accuracy of loan portfolio information, risk ratings, covenant tracking systems, and portfolio reporting data; recommend and implement corrective actions as needed.
- Ensure work is accurate, timely, and free from material errors or omissions.
- Manage department productivity, workflow prioritization, resource allocation, coaching, and employee development.
- Be accountable for audit results, compliance scores, examination findings, annual review completion metrics, and corrective action plans.
- Prepare monthly, quarterly, and annual portfolio performance, concentration, risk, and exception reports for management and executive leadership.
- Present portfolio trends, risk findings, criticized asset activity, concentration exposures, and recommended action plans to leadership as requested.
- Collaborate with Business Lending leadership to identify, validate, implement, and evaluate improvements to portfolio practices, procedures, technologies, reporting, and efficiency.
- Partner with Commercial Underwriting leadership to support effective transition of credits from origination to ongoing portfolio management and risk monitoring.
- Lead annual review, covenant compliance, and portfolio remediation initiatives in accordance with policy and regulatory expectations.
- Support strategic initiatives, system implementations, vendor relationships, and process improvements affecting portfolio administration and risk management.
- Maintain understanding of relevant regulatory requirements and portfolio risks, and establish controls that mitigate risk and support compliance and strategic objectives.
- Collaborate with the Special Assets Manager to identify and manage borrowers showing credit deterioration; monitor criticized and classified assets, recommend risk-rating changes, develop mitigation strategies, and coordinate borrower action plans.
- Oversee portfolio exception management, risk-rating accuracy, and borrower-monitoring practices to ensure exposures are identified, escalated, and resolved appropriately.
Benefits
- The company describes a market-competitive and internally equitable total rewards compensation package.
- The total rewards philosophy includes comprehensive compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
