Portfolio Manager

GBC International Bank; Los Angeles (CA); On-site; USD 90,000 - 130,000; Full time

Job summary

GBC International Bank seeks a Portfolio Relationship Manager in Los Angeles to own underwriting quality, portfolio administration, and credit quality for assigned portfolios. You will collaborate with Account Officers to grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.

The role requires five years in banking with credit focus, underwriting experience, and strong communication skills. Travel within the local market may be necessary.

Qualifications

• Minimum of five (5) years of experience in Banking with emphasis on credit.
• Prior underwriting experience required.
• Formal credit training required.
• Ability to analyze financial and tax returns.
• Knowledge of loan structure processes and lending regulations.
• Strong loan documentation knowledge.
• Excellent verbal and written communication skills.
• Proficiency with Microsoft Office Suite.

Responsibilities

• Oversee credit and monitoring of portfolio risks.
• Grow fees, deposits, and portfolio revenue with account officers.
• Conduct preliminary underwriting of loan proposals.
• Support meeting and achievement of volume/production goals.
• Recommend changes to lending policies to meet market needs.
• Manage full cycle of loan requests: data gathering, term sheets, proposals.
• Coordinate appraisals, environmental reports, ensuring compliance.
• Identify concerns and discuss with account officers.
• Liaise with Credit Department on loans and risk ratings.
• Coordinate information flow between client and internal teams.
• Finalize loan closings and oversee renewals and covenants.
• Track loan documentation and financial statement exceptions.
• Collaborate with Account Officers on maturing loans and new opportunities.
• Monitor delinquent accounts and report activity.
• Generate reports for the loan portfolio as needed.
• Participate in sales calls and external events for business development.

Skills

Credit analysis

Financial analysis

Portfolio management

Sales skills

Communication skills

Team player

Attention to detail

Education

Formal credit training

Tools

Microsoft Office

Excel

PowerPoint

Word

Job description

Job Summary

The Portfolio Relationship Manager owns primary responsibility for the underwriting quality, portfolio administration, the credit quality of the assigned portfolio, and working directly with Account officers.

Essential Job Functions

• Responsible for the credit and monitoring of portfolio risks
• Working directly with account officers and team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Conducts preliminary evaluation and underwriting of loan proposals terms sheets.
• Contribute to the Team’s overall meeting and/or exceeding the assigned volume/production goals
• Identify and recommend changes and enhancements to the Bank’s lending policies and procedures to best serve the current market needs
• Responsible for the full cycle of loan requests process. Provide financial analysis, obtain data to prepare a term sheet, and write proposals to expand the lending business.
• Requests all third party appraisals, environmental reports, and ensures all are within compliance.
• Identify areas of concern pertaining to a loan and discuss with Account officers
• Primary liaison with the Credit Department on loans submitted, prepare risk rating change proposal and facilitate the loan approval.
• Primary contact for coordinating information between client and internal departments in the loan process.
• Responsible for communication and finalizing loan closing.
• Responsible for overseeing renewals, document tickler and covenant tracking of loans.
• Monitor loan documentation exception reports and follow-up to clear up document exceptions in a timely manner.
• Monitor financial statement exception reports and follow-up to clear up financial statement exceptions in a timely manner.
• Works closely with Account Officers to manage maturing and re-price loans and identify new business opportunities.
• Troubleshoot, report, and manage activity on delinquent accounts at the various intervals
• Generate and provide requested reports as necessary on Team’s loan portfolio
• Participate in team sales calls and attend external events and activities in a business development role.

Qualifications/Requirements

• Minimum of five (5) years of experience working in a Banking environment with emphasis on credit area required.
• Prior working experience with loan underwriting is required.
• Formal credit training is required.
• Ability to analyze financial and project statement, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending
• Strong understanding of loan documentation criteria
• Excellent verbal and written communication skills;
• Proficiency with Microsoft Office Suite (Word, Excel, Powerpoint)
• Excellent interpersonal, customer relations and sales skills
• Ability to demonstrate being a self-starter, well-organized, detail-oriented
• Strong team work ethics is required
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to work well independently and in a fast-paced environment
• Travel within the local market may be necessary