Portfolio Manager

CalPrivate Bank; Brea (CA); On-site; USD 121,000 - 145,000; Full time

Job summary

CalPrivate Bank seeks a Portfolio Manager for Commercial Lending to manage a diverse portfolio with emphasis on SBA workout and risk management. You will analyze financial statements, structure transactions, and work with relationship managers to optimize credit quality.

The role requires strong analytical skills, integrity, and the ability to communicate clearly with clients and internal teams. Location is Orange County/CA with primary duties in a banking environment.

Qualifications

• Minimum of 3 years of SBA workout and liquidation experience.
• Knowledge of bankruptcy, workout, UCC, litigations and collateral disposition.
• Excellent financial analysis skills and ability to assess loan portfolios.

Responsibilities

• Manage a portfolio of commercial credits with focus on SBA workouts and renewals.
• Monitor credit risk, financial performance, and collateral value.
• Prepare credit analysis, cash flow modeling, and structuring of transactions.
• Oversee annual renewals, amendments, and maturities; drive timely reporting and compliance.

Skills

SBA workout

Financial analysis

Credit structuring

Client service

Tools

nCino

Jack Henry

FISERV

FIS

DCI

Microsoft Excel

Microsoft Word

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Brea, CA, US

Salary Range: $121,000.00 To $145,000.00 Annually

The Role: Portfolio Manager, Commercial Lending

The Location: Orange County, Ca

Reports To: SVP, Director of Portfolio Management

Make a Difference Where It Matters Most

At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make.

We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you.

Under the guidance of the Director of Portfolio Management, this position is responsible for the ongoing management, credit performance, and lifecycle execution of a portfolio of commercial banking relationships. Provide an exemplary level of client service on all relationships, whether in a primary or support role. The Portfolio Manager serves as the primary credit steward for assigned relationships post-origination. The position may also assist in underwriting and executing renewals, modifications, and extensions; proactively managing credit risk; and ensuring timely action on maturing exposures.

What You’ll Do

• Manage a portfolio of commercial credits across assigned segments and or subsegments (e.g., geographic, specific relationships, or product types: C&I, CRE, middle market)
• Maintain forward-looking risk assessments, including accurate risk rating accuracy and migration
• Monitor financial performance, industry trends, and sponsor strength
• Identify emerging risks early and recommend action plans
• Oversee covenant compliance and testing
• Drive timely borrower reporting and exception resolution
• Recommend waivers or amendments where appropriate
• Perform financial analysis, cash flow modeling, and structure transactions

Renewals, Modifications & Maturity Management

• Support in underwriting and execution of:
  • Timely completion of annual renewals
  • Timely completion of amendments and modifications
  • Extensions and restructures
  • Proactively manage upcoming maturities (e.g., 90–180 day pipeline)
  • Partner with relationship managers to determine credit strategy (renew, exit, restructure)
• Ensure compliance with credit policy, regulatory expectations, and risk appetite
• Perform financial analysis, cash flow modeling, and structure transactions
• Prepare credit approval packages and present to credit managers/officers and/or committees.

AML/CFT/Compliance Responsibilities

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.

Who You Are

Experience & Expertise

• Minimum of 3 years of prior work experience in SBA workout & liquidation
• Knowledge of bankruptcy, workout, UCC, litigations, foreclosure, and disposition of collateral.
• Knowledge in financial analysis, with the ability to assess business financial statements and restructure SBA loans accordingly.
• Knowledge in SBA and C&I loan documentation
• Excellent verbal and written communication skills.
• Excellent organizational and time management skills
• Ability to handle multiples tasks at once.
• Detailed oriented and accurate
• Able to meet deadlines and workload demands.
• Ability to work effectively with a variety of individuals, strong interpersonal skills.
• Proficient in Microsoft Excel and Microsoft Word
• Proficient in loan origination and management software such as nCino
• Proficient in data query and analysis from core accounting platforms such as Jack Henery, FISRV, FIS, or DCI.
• Business acumen to effectively interact with clients.
• Team focused and solution oriented.
• Must consistently provide the highest level of customer service.

Mindset & Values

• You lead with accountability, integrity, and consistency.
• You thrive in a collaborative environment where transparency and follow-through matter.
• You model professionalism, calm under pressure, and have a solutions-oriented mindset.
• You embrace data-driven decision-making while maintaining a client-first perspective.
• You embody CalPrivate’s culture, heart for client, excellence in service, and deep commitment to the Bank and its people.

Physical Demands

• Ability to sit or stand for extended periods of time.
• Ability to physically use a keyboard/mouse
• Ability to walk to and from workstations
• Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds.
• Specific vision abilities required by this job include close vision and ability to adjust focus

Why CalPrivate Bank?

This isn’t just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don’t just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we’re building a team of people who reflect those values in everything they do.

If you’re looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?