Portfolio Manager

Page Mechanical Group, Inc.; Fresno (CA); On-site; USD 80,000 - 100,000; Full time

Job summary

Page Mechanical Group, Inc. is seeking a Portfolio Manager in Fresno, California. Under the direction of the VP of Lending, this role oversees loan servicing and portfolio operations with a focus on maintaining relationships and ensuring compliance with loan agreements.

The ideal candidate has at least five years of experience in finance, strong problem-solving skills, and the ability to lead a team. The position requires working with various stakeholders to maintain the quality of loans and support the growth of small businesses.

Qualifications

• Minimum of five years of experience in finance/banking sector with small businesses.
• Minimum of one year of Commercial Loan portfolio management experience.
• Strong understanding of SBA and USDA rules and regulations.

Responsibilities

• Manage day-to-day operations of loan servicing and loan portfolios.
• Oversee personnel management functions including hiring and performance evaluations.
• Coordinate with Business Services team to ensure success of clients.

Skills

Problem-solving skills

Customer service skills

Interpersonal skills

Microsoft Office Suite

Education

Bachelor’s Degree in Business Administration, Finance, Accounting, Economics

Tools

Business software

Job description

SUPERVISORY RESPONSIBILITIES

Portfolio Quality team and other assigned Access Plus Capital staff.

SUMMARY

Under the direction of the VP of Lending, the Portfolio Manager is responsible for managing the day‑to‑day operations of loan servicing and loan portfolios of APC. Works with the loan servicing team to ensure collection of loan payments from all current and potential borrowers and credit enhancement submissions. The Portfolio Manager manages borrower relationships, conducts financial analysis, completes the underwriting and restructuring of loans, as well as provides technical assistance to support the success of borrowers and the health of the loan portfolio. The role requires creative structuring and resourceful relationships and partnership development to succeed in maintaining the quality of the portfolio.

Access Plus Capital is a U.S. Treasury‑certified community development financial institution and Small Business Administration (SBA) Approved Community Advantage SBLC and Microloan Intermediary Lender. It offers financing and training services to small businesses and entrepreneurs in central California. Since its inception in 2009, it has lent over $40 million to over 850+ entrepreneurs helping them realize their dreams by starting and growing their small businesses. For more information, go to http://accesspluscapital.com.

DUTIES AND RESPONSIBILITIES/ESSENTIAL FUNCTIONS

• Oversee personnel management functions, including hiring, performance evaluations, employee development, and corrective action when necessary.
• Investigate, evaluate, and analyze client financial statements, tax returns, and all other available sources of credit and financial information.
• Participate in portfolio and aging reviews. Take proper course of action, as appropriate to collect outstanding loan payments and in certain cases liquidate a non‑compliant business.
• Coordinate with the Business Services team to ensure clients receive proper technical assistance to ensure success of the business. Stays compliant with loan covenants and technical assistance contracts.
• Develop and oversee data tracking and project evaluation tools to monitor project outputs and outcomes to ensure delinquencies remain within acceptable rates.
• Execute loan change‑in‑terms to provide relief for clients as deemed necessary in compliance with internal loan policy as well as third‑party guidelines such as and not limited to SBA, United States Department of Agriculture (USDA), CAL CAP, State Loan Guarantee (SBLGP) and others.
• Work with the Business Development team to drive additional loans from existing clients.
• Collaborate with the Credit and Portfolio team to manage loan compliances and loan modifications.
• Make policy recommendations based on portfolio and industry performance to senior management including regulatory compliance guidelines.
• Evaluate the organization’s performance and analysis of Loan Loss Reserves and collateral, in addition to insurance and financial compliance of borrowers.
• Ensure all loans in the portfolio are periodically reviewed and risk‑rated, as per the Risk Rating System.
• Support the VP of Lending with the preparation of reports for the Risk Committee and APC Board of Directors.
• Coordinate and present monthly and/or quarterly portfolio performance to the Risk Committee.
• Oversee client disputes, regarding, but not limited to credit reporting, lien filing, payment processing, and other requests.
• Responsible for third‑party client information requests and for coordinating payment collection efforts with vendors.
• Coordinate and manage loan recovery efforts, including proper reporting of loan write‑offs, collateral liquidation, and submitting applicable loan loss claims to guarantors for demand payment.
• Performs other duties as assigned.
• Travels for agency business using reliable transportation.
• Works evenings and weekends as required.

QUALIFICATIONS

To execute this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION:

Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or related field required. Additional work experience may substitute required education on a year‑by‑year basis.

EXPERIENCE:

Minimum of five (5) years of experience working in finance/banking sector with small businesses with increased responsibility and supervisory experience required.

Minimum of one (1) year of Commercial Loan portfolio management, loan restructuring and credit analysis, and collections and recovery experience required.

Minimum of one (1) year of experience managing and developing staff, including performance management, coaching, and team leadership.

OTHER QUALIFICATIONS:

Strong understanding of Small Business Administration (SBA), U.S. Department of Agriculture (USDA), and government guarantee and/or credit enhancement program rules, regulations, and reporting requirements.

Understanding of business financial statements.

Strong problem‑solving skills.

Strong interpersonal and customer service skills.

Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.

Ability to work with different teams and provide leadership skills.

Ability to establish and maintain effective working relationships and contacts with professional and business organizations and develop teamwork with co‑workers on related units.

Proficient in Microsoft Office Suite and related business software. Ability to learn new database systems.

Effective presentation, written, and verbal communication skills.

Willing to work non‑traditional hours and days to meet the needs of this position.

Maintain a valid California driver’s license, reliable transportation, adequate auto insurance as required by State law, and insurability by Access Plus Capital carrier for those driving personal vehicles on behalf of the organization.

Prior to employment, a criminal background investigation and credit history check must be passed. Ongoing employment requires maintaining criminal clearance, an acceptable credit history, and eligibility to participate in Small Business Administration (SBA) Loan Programs.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to handle or feel; and talk or hear. The employee frequently is required to stand, walk, and reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.