Portfolio Lead: Small Business Loan Workouts

Impact Services Corporation; California; Hybrid; USD 90,000 - 140,000; Full time

Job summary

Paycom - ATS is seeking a Portfolio Manager of Collections and Workout to oversee the post-closing health of the small business loan portfolio. You will work with underserved borrowers facing hardship to restructure debt, coordinate workouts, and preserve fund capital.

You will analyze financial statements and cash flows, design workout agreements, and ensure compliance with lending laws. Strong empathy, negotiation, and bilingual Spanish-English abilities are preferred.

Qualifications

• 3-5 years of experience in commercial loan portfolio management, asset recovery, loan workout, or small business credit analysis.

Responsibilities

• Monitor loan portfolio and identify early risk signals.
• Negotiate and implement workout agreements and debt restructurings.
• Coordinate collections, liquidation, and asset recovery when needed.
• Prepare delinquencies, workout effectiveness, and ALLL reports for management.

Skills

Commercial loan analysis

Financial statement analysis

Negotiation & empathy

Legal knowledge (UCC, bankruptcy)

Bilingual Spanish/English

Tools

ALLL knowledge

Job description

Paycom - ATS is seeking a Portfolio Manager of Collections and Workout to oversee the post-closing health of the small business loan portfolio. You will work with underserved borrowers facing hardship to restructure debt, coordinate workouts, and preserve fund capital.

You will analyze financial statements and cash flows, design workout agreements, and ensure compliance with lending laws. Strong empathy, negotiation, and bilingual Spanish-English abilities are preferred.