Business Service Operations - Mgr - Commercial Portfolio Management

Golden 1 Credit Union•Sacramento, CA

11d•Hybrid

About The Position

Golden 1 Credit Union seeks a Manager of Commercial Portfolio Management to lead commercial portfolio monitoring, credit administration, and risk oversight. The role is responsible for maintaining a high-quality commercial loan portfolio and supporting sound lending practices through effective financial analysis, portfolio administration, reporting, and controls. The manager provides strategic leadership, guides a high-performing team, identifies emerging credit risks, and partners across the organization to improve portfolio management practices and support organizational objectives. The position manages annual reviews, covenant monitoring, financial analysis, exception tracking, and risk reporting; oversees borrower information and portfolio data integrity; and reviews and approves portfolio actions within assigned authority. The manager leads and develops Portfolio Managers, Portfolio Administrators, and Credit Analysts; coordinates with Relationship Managers, Underwriters, Special Assets, Compliance, and other stakeholders; and is accountable for audit results, compliance scores, examination findings, review completion metrics, and corrective action plans. The role also prepares and presents portfolio performance and risk reports, supports process and system improvements, and collaborates with Special Assets to address deteriorating credits and minimize potential losses. This is a hybrid position in Sacramento, California. The listed annual pay range is $135,300 to $175,000. The role is exempt and reports to the Director - Business Lending.

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 of experience managing commercial portfolio management, commercial credit administration, commercial banking, or credit risk management functions.

Responsibilities

Manage and oversee 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, ensuring timely reviews, borrower monitoring, 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, ensuring timely and consistent decisions.
Monitor portfolio quality trends, concentrations, risk migration, and emerging credit concerns; recommend risk mitigation strategies.
Ensure the collection, analysis, and monitoring of borrower financial statements, tax returns, rent rolls, borrowing base certificates, covenant reporting, and other required portfolio information.
Maintain the integrity and accuracy of loan portfolio information, risk ratings, covenant tracking systems, and portfolio reporting data; implement corrective actions as needed.
Ensure work products are accurate, timely, and free from material errors or omissions.
Manage department productivity, workflow prioritization, resource allocation, coaching, and employee development.
Oversee 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, technology, reporting, and operational efficiency.
Partner with Commercial Underwriting leadership to ensure 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 improvement efforts affecting portfolio administration and risk management.
Maintain understanding of pertinent regulatory requirements and portfolio management risks; establish controls that mitigate risk and support compliance and strategic objectives.
Collaborate with the Special Assets Manager to identify, evaluate, and manage borrowers showing signs of credit deterioration.
Monitor criticized and classified assets, recommend risk rating changes, develop mitigation strategies, and coordinate borrower action plans to address emerging concerns and minimize losses.
Provide oversight of portfolio exception management, risk rating accuracy, and borrower monitoring practices to ensure exposures are identified, escalated, and resolved appropriately.