Senior Portfolio Analyst: Impactful Credit & Growth

CalPrivate Bank; Newport Beach (CA); On-site; USD 76,000 - 102,000; Full time

Job summary

CalPrivate Bank in Orange County, California is seeking a Senior Portfolio Analyst to monitor and analyze the commercial loan portfolio, ensuring conformity with credit standards and regulatory requirements. You will work closely with Relationship Managers and Credit Administration to protect asset quality while supporting growth.

Responsibilities include annual loan reviews, covenant monitoring, and ongoing financial analysis, with opportunities to interact directly with borrowers and

Qualifications

• 3+ years of progressive experience in commercial credit underwriting.
• Strong financial analysis skills including interpretation of financial statements, tax returns, and cash flow projections.
• Bachelor’s degree in Business or Finance preferred; Moody’s course a plus.

Responsibilities

• Perform financial analysis and underwriting of existing commercial relationships, evaluating historical and current financial performance, repayment capacity, cash flow, liquidity, leverage, collateral support, guarantor strength, and other relevant credit considerations.
• Complete renewals and Annual Loan Reviews (ALRs) for assigned relationships, including preparation of ALR memoranda for approval and appropriate file documentation.
• Monitor borrower compliance with loan covenants, financial reporting requirements, loan terms, and other conditions of credit approval.
• Produce and maintain analytical and portfolio management reports to identify portfolio trends, exceptions, and areas requiring attention.
• Interface with borrowers and Relationship Managers to obtain financial information and coordinate loan servicing requests.

Skills

Financial analysis

Credit underwriting

Credit documentation

Communication & collaboration

Risk assessment

Education

Bachelor’s degree in Business or Finance

Moody’s financial accounting course

Tools

Credit analysis software

Financial spreading tools

Loan origination systems

Microsoft Office

Job description

CalPrivate Bank in Orange County, California is seeking a Senior Portfolio Analyst to monitor and analyze the commercial loan portfolio, ensuring conformity with credit standards and regulatory requirements. You will work closely with Relationship Managers and Credit Administration to protect asset quality while supporting growth.

Responsibilities include annual loan reviews, covenant monitoring, and ongoing financial analysis, with opportunities to interact directly with borrowers and