VP, Senior Credit & Portfolio Manager
About The Position
Under general direction, the VP, Senior Credit & Portfolio Manager supports the overall credit and portfolio management function for the North Orange County Regional Office. The role facilitates comprehensive credit analysis of existing and potential clients, helps manage risk in existing relationships to protect the Bank’s financial health, monitors the status of loans in the office portfolio, and supports relationship managers with underwriting and business development. The position also provides financial counsel to current and prospective customers while ensuring adherence to Bank policies and procedures. It calls on existing and potential customers to help retain and grow business relationships, handles complex accounts, makes independent credit recommendations, and provides training and oversight for junior credit-related employees. The position serves as the subject matter expert for credit and portfolio management at the North Orange County Office and directly manages credit and depository relationships. It executes and oversees credit processes and records, maintains covenant tracking and loan write-up schedules, and supports assigned staff and other areas of the Regional Office as needed. The role is based in Anaheim, California, with hybrid eligibility.
Requirements
- Experience and capability to handle complex accounts and make credit recommendations independently.
- Ability to conduct comprehensive credit analysis and support underwriting, portfolio management, and business development.
- Ability to manage credit and depository relationships and monitor loan portfolios, covenants, reporting, and credit files.
- Strong verbal and written communication skills.
- Strong delegation skills and ability to support staff development and cross-training.
- Ability to ensure accuracy, timeliness, and compliance with Bank policies and procedures.
Responsibilities
- Interview applicants, prospective customers, and existing customers to understand their business needs, capabilities, earnings, and suitability for loans and banking relationships.
- Lead special projects, gather data, and prepare reports for Senior and Executive Management to improve the Bank’s credit processes and procedures.
- Serve as the subject matter expert for the design, execution, and oversight of credit and portfolio management for the North Orange County Office.
- Execute credit processes including write-ups, tickler covenant tracking, Credit Track, approvals, renewals, problem credit report memorandums, and investor real estate reviews, ensuring accuracy, timeliness, and compliance.
- Train and oversee junior credit-related employees and assist with training relationship managers on credit practices and policy and procedure updates.
- Directly manage credit and depository relationships and assist with other assigned credit portfolios and relationships.
- Maintain the Regional Office’s covenant tracking system and provide monthly reports to managers and relationship managers; communicate past-due reporting and non-compliant covenants to relationship managers.
- Ensure files remain current and compliant and provide officers with accurate, understandable monthly reports.
- Manage the Regional Office’s Record of Loans (write-ups), sending write-ups to the appropriate relationship managers for review five days before their due dates.
- Use existing relationships to help develop additional commercial and middle-market relationships for the Bank.
- Identify prospective leads through internal review of client checks and reports, research and qualify leads, and coordinate contact with loan officers.
- Determine loan types and terms within established lending limits or recommend terms to approving Senior Loan Committee members.
- Provide financial advice and counsel to customers and prospective customers.
- Support the development and growth of assigned staff through effective verbal and written communication, delegation, and cross-training.
- Provide support to other areas of the Regional Office where service or assistance is needed.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
