Senior Portfolio Manager

SouthStar Capital, LLC; Charleston (SC); On-site; USD 90,000 - 130,000; Full time

Job summary

SouthStar Capital, LLC is seeking a Portfolio Manager to oversee a diverse factoring client portfolio, ensuring strong credit quality and healthy portfolio performance. The role focuses on daily risk management, client activity monitoring, and financial data analysis while upholding company policies.

You will build strong client relationships, guide on invoice submissions, disputes, and best practices, and prepare risk and performance reports for leadership.

Qualifications

• Bachelor’s degree in Finance, Business, Accounting, or related field (or equivalent experience).
• 7–10 years of experience in factoring, asset-based lending, commercial lending, or credit analysis.
• Strong understanding of credit principles, risk analysis, invoice finance, and collateral management.
• Excellent communication, customer service, and relationship-building skills.
• Advanced proficiency with Excel and financial analysis tools.

Responsibilities

• Manage a portfolio of factoring clients, ensuring appropriate risk levels and adherence to credit limits.
• Monitor debtor creditworthiness, aging reports, concentration risk, and client financial health.
• Review and approve funding requests within assigned credit authority.
• Identify early warning signs of credit deterioration and take preemptive action.
• Prepare periodic portfolio reports, risk summaries, and performance metrics for management.
• Collaborate with underwriting, operations, collections, and sales teams to support portfolio quality.
• Coordinate with legal and compliance teams on contract issues or risk events.

Skills

Credit analysis

Relationship management

Communication

Financial analysis

Risk assessment

Attention to detail

Education

Bachelor’s degree in Finance, Business, Accounting, or related field

Tools

Excel

Job description

The Portfolio Manager oversees a portfolio of factoring clients to ensure strong credit quality, healthy portfolio performance, and exceptional customer service. This role is responsible for managing daily risk, monitoring client activity, analyzing financial and credit data, and ensuring compliance with company policies. The ideal candidate is analytical, detail-oriented, and skilled at building strong client relationships while protecting the company’s capital.

Key Responsibilities

• Manage a portfolio of factoring clients, ensuring appropriate risk levels and adherence to credit limits.
• Monitor debtor creditworthiness, aging reports, concentration risk, and client financial health.
• Review and approve funding requests within assigned credit authority.
• Identify early warning signs of credit deterioration and take preemptive action.
• Ensure collateral compliance, proper documentation, and adherence to factoring agreements.

Client Relationship Management

• Serve as primary point of contact for clients regarding funding, account questions, and portfolio performance.
• Build and maintain strong relationships with clients while promoting responsible financial management.
• Provide guidance to clients on invoice submission, dispute resolution, and best practices.
• Conduct ongoing analysis of client financials, borrowing base availability, and payment trends.
• Evaluate new debtor credit applications and recommend credit limits.
• Review and resolve invoice disputes, chargebacks, and exceptions.
• Prepare periodic portfolio reports, risk summaries, and performance metrics for management.

Cross-Functional Collaboration

• Partner with underwriting, operations, collections, and sales teams to support portfolio quality.
• Coordinate with legal and compliance teams on contract issues or risk events.
• Assist in onboarding new clients and transitioning accounts to active portfolios.

Compliance & Policy Adherence

• Maintain complete and accurate account records in accordance with company policies and regulatory requirements.
• Uphold anti-fraud procedures and ensure proper due diligence for all transactions.
• Support internal and external audits as needed.

Qualifications

Required

• Bachelor’s degree in Finance, Business, Accounting, or related field (or equivalent experience).
• 7–10 years of experience in factoring, asset-based lending (ABL), commercial lending, or credit analysis.
• Strong understanding of credit principles, risk analysis, invoice finance, and collateral management.
• Excellent communication, customer service, and relationship‑building skills.
• Advanced proficiency with Excel and financial analysis tools.

Preferred

• Experience using Factoring or ABL portfolio systems (e.g., Factor Soft, Hub Tran, Jack Henry, or similar).
• Industry-specific knowledge (e.g., transportation, staffing, manufacturing).
• Familiarity with UCC filings, lien searches, and commercial credit bureaus (e.g., D&B, Experian).