Senior Loan Portfolio Manager

Access Plus Capital; California (MO); On-site; USD 74,547 - 104,366; Full time

Job summary

Access Plus Capital seeks a Portfolio Manager to lead day-to-day loan servicing and portfolio health in central California, reporting to the VP of Lending. You will oversee borrower relationships, perform financial analysis, underwriting and loan restructures, and provide technical assistance to support client success and portfolio quality.

This role requires strong knowledge of SBA/USDA programs, creativity in structuring loans, and leadership to guide staff and coordinate with credit, business

Qualifications

• 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.
• 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.
• 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.

Responsibilities

• 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.

Skills

Financial analysis

Portfolio management

Credit analysis

Leadership

Communication

Microsoft Office

Education

Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or related field

Tools

Microsoft Office

Job description

Access Plus Capital seeks a Portfolio Manager to lead day-to-day loan servicing and portfolio health in central California, reporting to the VP of Lending. You will oversee borrower relationships, perform financial analysis, underwriting and loan restructures, and provide technical assistance to support client success and portfolio quality.

This role requires strong knowledge of SBA/USDA programs, creativity in structuring loans, and leadership to guide staff and coordinate with credit, business