Portfolio Manager

East West Bank; Arizona; On-site; USD 100,000 - 145,000; Full time

Job summary

East West Bank is seeking an experienced Lending Manager to oversee underwriting and credit risk for commercial real estate and C&I loans. You will monitor borrower financials, manage renewals, and coordinate with credit supervision and internal partners to ensure portfolio quality.

The role requires 8+ years in CRE/C&I lending, 5+ years in portfolio management and underwriting, and a solid understanding of credit policy.

Qualifications

• Bachelor's degree in finance or accounting (or combination with working knowledge of finance/accounting).
• 8+ years of CRE and C&I lending experience.
• 5+ years of direct portfolio management and underwriting experience.
• Strong understanding of credit policy and procedures; ability to risk-rate loans/credits using cash-flow and collateral data.
• Strong written and verbal communication skills.

Responsibilities

• Monitor loan repayment activities and financial condition of borrowers; collect past-due accounts as needed.
• Serve as the point of contact for clients, coordinating with credit supervision and internal partners.
• Underwrite credit risk for new and existing loan deals and develop problem loan solutions when necessary.
• Manage renewal processes with clients and obtain approvals from credit supervision.
• Prepare credit memoranda for Senior Management review and credit supervision.

Skills

Credit analysis

Portfolio management

Underwriting

Communication skills

Education

Bachelor's degree in finance/accounting

Job description

Introduction

Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates’ potential for career advancement. Headquartered in California, East West Bank (Nasdaq: EWBC) is a top performing commercial bank with an exclusive focus on the U.S. and Greater China markets. With a strong foundation, and enterprising spirit and a commitment to absolute integrity, East West Bank gives people the confidence to reach further.

Overview

Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates’ potential for career advancement.

Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.

Responsibilities

• Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts.
• Partner with the Relationship Manager as the point of contact for the client: acting as a liason to credit supervision, the commercial support staff and other internal business partners
• Responsible for underwriting credit risk of new and existing loan deals and quality of the portfolio, and developing problem loan credit solutions, if necessary.
• Manage the renewal process independently by working with existing clients and obtaining approval from credit supervision.
• Manage transactions from underwriting through to closing.
• Conduct due diligence work customary to asset based financings.
• Review, analyze, and summarize company and property operating and financial statements.
• Create deal specific asset based, cash flow and valuation models.
• Analyze borrower and guarantor financial statements and tax returns.
• Interact with borrowers or brokers to obtain necessary information and documentation for evaluation, underwriting, and closing of loans.
• Prepare credit memoranda for review and approval by Senior Management and credit supervision.
• Review and analyze third-party reports such as appraisals, field exams and other 3rd party due diligence.
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established EWB credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• May act as a contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.
• Must be comfortable dealing directly with clients independently.
• Assist in the development of junior bankers and credit analysts.
• Perform other duties and special projects as needed.

Qualifications

• Bachelor's degree preferably in finance and/or accounting, or combination of education with working knowledge of finance/accounting
• 8+ years of CRE and C&I lending experience.
• 5+ years of direct portfolio management and underwriting experience
• Strong understanding of credit policy and procedures and is able to accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits
• Strong written and verbal communication

Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time.

Compensation

The base pay range for this position is USD $100,000.00/Yr. - USD $145,000.00/Yr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.