Senior Portfolio Manager

Flagstar Bank, N.A.; Sacramento (CA); Remote; USD 117,000 - 194,000; Full time

Job summary

An established industry player is seeking a Senior Portfolio Manager who is analytical and organized, with a strong focus on teamwork and communication. This role involves in-depth analysis of commercial loan requests and managing the loan closing process. The ideal candidate will have over 12 years of experience, excellent leadership skills, and a Bachelor's degree in Business or Finance. Join a forward-thinking company that values mentorship and professional development while maintaining strong client relationships in a dynamic work environment.

Qualifications

• 12+ years of experience in portfolio management and credit analysis.
• Ability to mentor and develop junior team members.

Responsibilities

• Underwrite and analyze commercial loan requests with the relationship manager.
• Monitor credit quality of the assigned portfolio and manage delinquencies.

Skills

Credit Analysis

Leadership

Communication Skills

Interpersonal Skills

Analytical Skills

Education

Bachelor's Degree in Business

Bachelor's Degree in Finance

Tools

nCino

Credit Lens

AFS

Job description

Position Title
Senior Portfolio Manager

Location
Work From Home CA, CA 94203

Job Summary
A Portfolio Manager must be an analytical, organized, team-focused individual with good verbal and written communication skills. This individual will be responsible for completing an in-depth analysis of commercial loan requests, as well as making recommendations based on such analysis. Portfolio Managers work in a team environment as a key player within the relationship deal team. Primary responsibilities include underwriting, monitoring and maintaining the credit quality of a loan portfolio as well as managing the loan closing process. Portfolio Managers maintain strong working relationships, variant on experience level, with the clients, deal team, credit team and other internal partners.

Pay Range: $117,195 - $155,270 - $193,355

Pay Range: Local Minimum Wage - $0.00 - $0.00

Job Responsibilities:

• Underwrite, Analyze and Close Loans: Working with the relationship manager, take a lead role in the structuring, underwriting and analysis of commercial loan requests. Prepare credit approval packages, present recommendations to the credit team/senior management, and close complex commercial loans.
• Portfolio Management: Responsible for monitoring the credit quality of the assigned portfolio by periodically evaluating financial trends, covenant compliance and borrowing bases, including the preparation of annual (or more frequent) reviews. In addition, responsible for managing delinquencies and collateral exceptions.
• Relationship Management: Highly visible role in managing the client relationship along with the deal team.
• Training: Mentor, train and develop junior team members.
• Maintaining Knowledge: Knowledgeable about the various commercial products available to clients as well as general market/industry trends.

Job Requirements:

• 12+ years of experience
• Handles transactions/relationships/portfolio with the highest level of complexity
• Experience working with less experienced team members to mentor and develop them, sharing expertise and insights
• A high level of oral and written interpersonal skills are necessary to recommend loan transactions to bank senior management
• Excellent leadership and communication skills enabling smooth and efficient loan closings as well as daily portfolio management
• Bachelor's Degree: Business, Finance or related field
• Must possess highly advanced credit analysis skills (prefer a candidate with formal credit training)
• Demonstrated knowledge of financial statement analysis
• Excellent interpersonal and verbal and written communication skills
• Excels in a team environment
• Ability to effectively interact with all levels of leadership and employees within the organization
• Ability to work autonomously, handle multiple projects simultaneously and adapt to new demands and challenges
• Familiarity with nCino, Credit Lens, AFS is a plus
• Credit Analysis or Loan Review experience, preferably in the banking industry

Flagstar is an Equal Opportunity Employer.