Senior Portfolio Manager - Cash Flow Lending Lead

Axos Bank; San Diego (CA); On-site; USD 100,000 - 165,000; Full time

Benefits offered by this job

Medical, Dental, Vision, and Life Ins.

Paid time off (vacation)

HSA or FSA

401(k) with employer match

Employee Mortgage Loan Program

Free Axos Bank account with self‑dire

Job summary

Axos Bank is seeking a VP, Portfolio Manager Lead to guide a team of Portfolio Managers and Credit Analysts overseeing a middle-market, sponsor-backed cash flow lending portfolio. You’ll drive credit quality, covenant compliance, and borrower performance while partnering with Originations, Underwriting, and Legal to grow relationships.

The role requires 8–10 years in commercial banking or leveraged finance, 3–5 years of leadership, and strong credit and financial analysis skills.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• 8–10 years of experience in commercial banking, leveraged finance, cash flow lending, portfolio management, or credit risk management.
• 3–5 years of leadership or team management experience.
• Strong knowledge of commercial credit analysis, financial statement analysis, cash flow modeling, leverage metrics, covenant structures, and risk grading methodologies.
• Experience managing sponsor-backed, middle market, leveraged finance, or cash flow lending portfolios.

Responsibilities

• Lead, mentor, and develop a team of Portfolio Managers and Credit Analysts responsible for ongoing management of cash flow lending relationships.
• Oversee portfolio performance, credit quality, risk ratings, covenant compliance, and borrower financial performance.
• Review financial statements, compliance certificates, borrowing reports, and other borrower reporting to identify emerging risks and recommend corrective actions.
• Serve as the primary escalation point for problem credits, covenant breaches, and portfolio exceptions.
• Ensure timely completion of annual reviews, renewals, modifications, amendments, waivers, and periodic risk assessments.
• Partner with Relationship Managers, Originations, Underwriting, Credit Administration, and Legal teams to evaluate new opportunities and manage existing relationships.
• Monitor portfolio concentrations, exposure trends, industry risks, and early warning indicators.
• Review and approve credit memoranda, risk-rating recommendations, amendments, and portfolio management decisions within delegated authority.
• Establish portfolio reporting, key performance indicators, and management dashboards to track portfolio health and team performance.
• Participate in credit committee presentations, policy discussions, regulatory examinations, and internal audits.
• Drive consistency in underwriting standards, portfolio management practices, and risk management procedures across the team.
• Identify and implement process improvements to enhance efficiency, reporting accuracy, and portfolio oversight.
• Support strategic growth initiatives while maintaining disciplined credit risk management.

Skills

Leadership

Portfolio management

Credit analysis

Financial statement analysis

Cash flow modeling

Risk management

Education

Bachelor’s degree in Finance or related field

Tools

Portfolio management systems

Microsoft Office

Job description

Axos Bank is seeking a VP, Portfolio Manager Lead to guide a team of Portfolio Managers and Credit Analysts overseeing a middle-market, sponsor-backed cash flow lending portfolio. You’ll drive credit quality, covenant compliance, and borrower performance while partnering with Originations, Underwriting, and Legal to grow relationships.

The role requires 8–10 years in commercial banking or leveraged finance, 3–5 years of leadership, and strong credit and financial analysis skills.