Sr. Portfolio Analyst

CalPrivate Bank•Brea, CA

16h•$76,000 - $102,000

About The Position

The Senior Portfolio Analyst supports CalPrivate Bank’s mission, credit culture, and continued growth by helping ensure its commercial loan portfolio is proactively monitored, accurately analyzed, and maintained in accordance with established credit standards and regulatory requirements. Through disciplined portfolio management, timely financial analysis, and collaboration with Relationship Managers, Portfolio Managers, Credit Administration, and other internal partners, the role helps protect asset quality and support teams in deepening relationships and pursuing new business. The position is responsible for ongoing financial analysis and monitoring of assigned commercial relationships, including annual loan reviews, renewals, covenant compliance, financial reporting requirements, risk ratings, and credit file quality. It connects relationship management with credit administration by helping identify emerging risks, resolve documentation needs, and ensure changes in borrower performance are recognized and communicated promptly. The role may interact directly with borrowers and is expected to provide professional, responsive service consistent with the bank’s relationship-centered approach. The Senior Portfolio Analyst also supports portfolio reporting, credit administration, SBA portfolio administration and servicing, credit file management, client and internal partner support, and department projects. Responsibilities include maintaining accurate and complete records, assisting with reports and audits, supporting process improvements, and carrying out BSA/AML and compliance responsibilities, including escalating suspicious activity to the BSA Officer as appropriate.

Requirements

At least 3 years of progressive experience in commercial credit underwriting, preferably in a community, private, or commercial banking environment.
Completion of a Moody’s or equivalent financial accounting course.
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 client needs with risk mitigation and to provide 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, including the ability to identify key credit drivers, emerging risks, and appropriate covenant structures.
Strong communication and partnership skills, including the ability to work effectively with Relationship Managers, Credit Administration, SBA teams, Loan Operations, and senior credit leadership.
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.
Ability to sit or stand for extended periods, use a keyboard and mouse, and walk to and from workstations.
Ability to frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds.
Close vision and ability to adjust focus.

Nice To Haves

Bachelor’s degree in Business, Finance, or a related field.

Responsibilities

Perform financial analysis and underwriting of existing commercial relationships, evaluating financial performance, repayment capacity, cash flow, liquidity, leverage, collateral, guarantors, and other relevant credit considerations.
Complete renewals and Annual Loan Reviews for assigned relationships, preparing review memoranda for approval and maintaining appropriate file documentation.
Analyze borrower financial information and supporting documents to assess creditworthiness and identify material changes in financial condition or repayment capacity.
Review credit reports, real estate evaluation data, property information, and other third-party information needed for credit analysis and portfolio management.
Maintain a thorough understanding of assigned relationships, including loan structure, collateral, reporting requirements, covenants, and approval conditions.
Contact borrowers and Relationship Managers to obtain required financial statements, tax returns, covenant reporting, borrowing base information, and other financial documentation.
Follow up to ensure required financial information and outstanding credit items are received within established timeframes.
Monitor borrower compliance with covenants, reporting requirements, loan terms, and other credit approval conditions.
Monitor assigned relationships’ credit quality, risk ratings, and credit file condition and completeness.
Identify and promptly communicate financial deterioration, emerging risks, covenant violations, documentation deficiencies, and other credit concerns to relevant teams.
Recommend escalation or additional monitoring when borrower performance, collateral condition, or other factors indicate increased credit risk.
Monitor nationwide property tax reports and research or escalate exceptions and outstanding items.
Produce and maintain analytical and portfolio management reports through Icore, ensuring reports are timely, accurate, and useful.
Assist Credit Administration with monthly DLC reports, including criticized and classified loan reporting and non-performing loan reporting.
Assist with SBA venture and other portfolio or credit administration reports as assigned.
Provide backup support to the Credit Administrator and assist with portfolio monitoring, reporting, audits, examinations, and other credit administration activities.
Perform online banking verification and other account- or loan-related verification activities as required.
Support SBA portfolio administration and servicing, including related reporting and documentation.
Contact Certified Development Companies regarding SBA 504 debenture funding and related servicing matters.
Complete monthly SBA 504 debenture payoff activities and maintain supporting documentation.
Monitor the shared SBA email inbox and coordinate timely responses, routing, and follow-up.
Contact borrowers and/or Business Development Officers regarding servicing requests and coordinate with internal partners to resolve them.
Assist with additional SBA and commercial loan servicing activities as assigned.
Upload financial statements, credit documentation, correspondence, approvals, and other required records into scanned loan and credit files.
Keep credit files complete, accurate, organized, and documented in accordance with Bank policies and procedures.
Maintain records of annual reviews, renewals, financial analysis, borrower correspondence, servicing activities, and approvals.
Identify missing or outdated documentation and coordinate with borrowers, Relationship Managers, and internal partners to resolve outstanding items.
Support timely, accurate recordkeeping for internal reviews, audits, regulatory examinations, and portfolio assessments.
Interface with borrowers and clients as appropriate to obtain financial information, resolve documentation needs, and facilitate servicing requests.
Develop working relationships with Relationship Managers, Portfolio Managers, Business Development Officers, Credit Administration, Loan Operations, SBA, and other internal partners.
Proactively identify upcoming reporting requirements, annual reviews, renewals, and outstanding portfolio items for Relationship Managers.
Communicate clearly and consistently about outstanding requirements, emerging credit concerns, and items requiring action or escalation.
Balance credit discipline with responsive, relationship-driven client service.
Support Credit Administration and Portfolio Management projects, including portfolio reviews, process improvements, reporting enhancements, audits, and examinations.
Assist with improving portfolio monitoring and reporting processes to increase efficiency, accuracy, and visibility into portfolio performance.
Provide cross-functional and backup support to ensure critical portfolio management and credit administration responsibilities are completed accurately and on time.
Perform additional portfolio management, credit administration, analytical, and servicing responsibilities as assigned.
Understand and follow Bank BSA/AML and compliance policies, and report or escalate suspicious activity to the BSA Officer as appropriate.