Portfolio Manager

CalPrivate Bank•Brea, CA

7d•$121,000 - $145,000

About The Position

The Portfolio Manager, Commercial Lending is responsible, under the guidance of the Director of Portfolio Management, for the ongoing management, credit performance, and lifecycle execution of a portfolio of commercial banking relationships. The role provides exemplary client service and serves as the primary credit steward for assigned relationships after origination. It may also support underwriting and execution of renewals, modifications, and extensions; proactive credit-risk management; and timely action on maturing exposures. The Portfolio Manager manages commercial credits across assigned segments or subsegments, monitors financial performance and industry trends, maintains forward-looking risk assessments, oversees covenant compliance and borrower reporting, and identifies emerging risks. The position supports annual renewals, amendments, modifications, extensions, and restructures; partners with relationship managers on credit strategy; prepares credit approval packages; and ensures compliance with credit policy, regulatory expectations, and the Bank’s risk appetite. The role includes BSA/AML and compliance responsibilities. The employee must understand and follow the Bank’s related policies and report or elevate suspicious activity to the BSA Officer as appropriate.

Requirements

At least 3 years of prior work experience in SBA workout and liquidation.
Knowledge of bankruptcy, workouts, UCC, litigation, foreclosure, and disposition of collateral.
Knowledge of financial analysis and ability to assess business financial statements and restructure SBA loans accordingly.
Knowledge of SBA and C&I loan documentation.
Excellent verbal and written communication skills.
Excellent organizational and time-management skills.
Ability to handle multiple tasks at once.
Detail-oriented and accurate.
Ability to meet deadlines and workload demands.
Ability to work effectively with a variety of individuals and strong interpersonal skills.
Proficiency in Microsoft Excel and Microsoft Word.
Proficiency in loan origination and management software such as nCino.
Proficiency in data query and analysis from core accounting platforms such as Jack Henry, FISRV, FIS, or DCI.
Business acumen to interact effectively with clients.
Team-focused and solution-oriented approach.
Consistently provide the highest level of customer service.
Ability to sit or stand for extended periods, use a keyboard and mouse, walk between workstations, and frequently lift or move up to 10 pounds and occasionally up to 50 pounds.
Close vision and ability to adjust focus.

Responsibilities

Manage a portfolio of commercial credits across assigned segments or subsegments, such as C&I, CRE, or middle market.
Maintain forward-looking risk assessments, including accurate risk ratings and migration.
Monitor financial performance, industry trends, and sponsor strength.
Identify emerging risks early and recommend action plans.
Oversee covenant compliance and testing.
Drive timely borrower reporting and exception resolution.
Recommend waivers or amendments where appropriate.
Perform financial analysis and cash flow modeling, and structure transactions.
Support underwriting and timely execution of annual renewals, amendments, modifications, extensions, and restructures.
Proactively manage upcoming maturities, including a 90–180-day pipeline.
Partner with relationship managers to determine credit strategy, including whether to renew, exit, or restructure.
Ensure compliance with credit policy, regulatory expectations, and risk appetite.
Prepare credit approval packages and present them to credit managers, officers, and/or committees.
Provide a high level of client service for assigned relationships.
Understand and follow the Bank’s BSA/AML and compliance policies, and elevate suspicious activity to the BSA Officer as appropriate.