Portfolio Manager

CalPrivate Bank • San Diego, CA

5h

About The Position

The Special Assets Portfolio Manager plays a critical role in protecting the financial strength, stability, and reputation of the bank by actively managing and resolving classified, criticized, or otherwise challenged credit relationships. This role is responsible for overseeing a portfolio of underperforming or high-risk loans and working collaboratively with lending, credit, and executive leadership to develop thoughtful strategies that minimize loss, preserve client relationships when possible, and support the bank’s long-term financial health.

Requirements

• 5+ years of progressive experience in SBA workout & liquidation, commercial loan underwriting, portfolio management or equivalent at a commercial bank.
• Strong financial analysis skills, including the ability to interpret complex financial statements, tax returns, cash flow projections, and global cash flow assessments.
• In-depth knowledge of commercial lending practices, credit policy standards, regulatory requirements, and risk rating methodologies.
• Demonstrated ability to structure credit solutions that balance clients needs with risk mitigation, supported by clear, well-reasoned recommendations in written credit memoranda.
• Experience with diverse credit types, including C&I, commercial real estate, SBA, professional services and privately held business lending.
• Exceptional attention to detail and analytical accuracy, with the ability to identify key credit drivers, emerging risks and appropriate covenant structures.
• Strong communication and partnership skills, with the ability to work effectively with Relationship Managers, Credit Administration, SBA teams, Loan Operations, and senior credit leadership.
• Proven ability to manage multiple priorities, handle a high-volume pipeline, and meet turnaround expectations without compromising quality.
• Proficiency in credit analysis software, financial spreading tools, loan origination systems, and Microsoft Office applications.
• Bachelor’s Degree in Finance, Accounting, Business Administration or a related field, or equivalent experience. Minimum 3-5 years related experience and/or training or equivalent combination of education and experience.

Responsibilities

• Analyze problem loans and make recommendations to foreclose, repossess, or liquidate collateral when applicable.
• Handle collections and charge-off accounts, assist lending officers on non-special assets accounts and prepare management reports as required.
• Prepare documentation to request repurchase of SBA loans sold on secondary market.
• Recommend legal actions, bankruptcy, foreclosure and judgement processes and repossession or replevin actions in accordance with Bank policy and SBA SOP. Including direct communications in negotiations and meeting with attorneys and borrowers.
• Prepare financial analysis, criticized asset reports, annual loan reviews, covenant monitoring and underwriting renewal loan request as applicable.
• Recommend risk rating changes as appropriate.
• Contacts borrowers and/or Relationship Managers for financial documents required to meet loan covenants and loan reviews requirements. Reviews credit memos, BLA and tickler report to ensure consistency.
• Complete covenant compliance memo for approval and file record.
• Regularly reviews the portfolio to ensure credit quality.
• Submit Credit Memorandums to loan approvers and provide support to loan processors as needed to close approved loans.
• Receive and analyze information from Relationship Managers and prepare credit memorandum.
• Submit CAM to Credit Manager for approval and provide support to loan processors as needed to close approved loans.
• This position includes direct or indirect interaction with customers and other employees and therefore includes responsibilities relating to BSA/AML. The employee will have opportunity to examine and view information and documents produced by other employees of the Bank relating to BSA and therefore has the obligation to report suspicious activity to the BSA Officer as appropriate. The employee is responsible for understanding and following the Bank’s BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program.

What This Job Offers

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