Senior Portfolio Manager – Technology Banking

Jobtailor; San Francisco (CA); On-site; USD 140,000 - 220,000; Full time

Job summary

Jobtailor is seeking a senior credit professional to analyze, structure, and manage a portfolio of technology-sector loans. You will underwrite, monitor covenants, and present strategic recommendations to leadership, while expanding client relationships.

Ideal candidate has extensive experience in credit risk assessment, loan structuring, and regulatory compliance, with a track record of delivering risk-informed decisions in a fast-paced banking environment.

Qualifications

• 7+ years of credit or lending experience in a corporate or banking environment.
• Experience with leveraged lending and lending to technology companies.
• Bachelor's degree required.
• Master's degree preferred.
• Business Administration, Finance or Accounting preferred.
• Credit qualifications and knowledge per portfolio requirements.

Responsibilities

• Analyze credit information to support lending decisions and process new and existing Commercial banking loans for a tech client portfolio.
• Make credit decisions and recommendations in line with bank policies and procedures.
• Negotiate loan structures, terms, and conditions aligned with client requirements and risk appetite.
• Underwrite and manage a diversified portfolio of technology-sector clients.
• Monitor covenant compliance and identify deteriorating credit conditions.
• Lead complex proposal development and deliver presentations to capture new business.
• Develop portfolio insights through financial analysis and risk reporting.
• Act as a trusted advisor on technology-sector credit matters.
• Maintain timely data entry in banking systems.

Skills

Credit Qualifications

Lending Instruments

Financial Operations

Detail-Oriented

Structuring Deals

Change Management

Education

Bachelor's degree

Master's degree preferred

Business Administration/Finance/Accounting preferred

Tools

Microsoft Office

Job description

• Analyze credit information to support lending decisions and process new and existing Commercial banking loans and credit solutions for an assigned portfolio of technology clients
• Make credit decisions and recommendations in compliance with bank policies and procedures
• Negotiate loan structures, terms, and conditions aligned with client requirements, bank risk appetite, and policies
• Develop comprehensive credit structures for complex clients
• Sign off on new, renewal, and extension loans within delegated authority
• Underwrite and manage a diversified portfolio of technology-sector clients
• Monitor covenant compliance and identify deteriorating credit conditions
• Analyze performance, engage with clients, and assess industry trends to identify risks and opportunities
• Evaluate portfolio performance and recommend capital allocation strategies
• Handle escalated client concerns and service requests
• Lead complex proposal development and deliver presentations to capture new business and expand client relationships
• Gather competitive insights and best practices from industry peers and networks
• Develop portfolio insights through financial analysis, industry research, and risk reporting
• Act as a trusted advisor and subject matter resource on technology-sector credit matters
• Build and maintain client relationships with Relationship Managers and business partners
• Conduct financial analysis and risk assessments of clients' credit information
• Monitor portfolio performance and take corrective action when required
• Minimize BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines
• Support initiatives to enhance service quality, acquire new business, and expand client relationships
• Identify revenue, cross-selling, and share-of-wallet opportunities
• Leverage analysis tools to grow portfolios that exceed ROE thresholds and evaluate client returns
• Maintain timely and accurate data entry in BMO systems
• Serve as a specialist resource to senior leaders and stakeholders
• Address complex and non-routine situations and implement changes in response to shifting trends
• Apply BMO's Risk Management Framework and make risk-informed decisions aligned with business strategy and applicable laws and regulations

Requirements

• Preferred 7+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment
• Experience with leveraged lending and lending to technology companies
• Bachelor's degree required
• Master's degree preferred
• Business Administration, Finance and Accounting preferred
• Any other related discipline or commensurate work experience considered
• Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards, if a Credit Qualifiable job
• Seasoned professional with a combination of education, experience and industry knowledge
• Intermediate proficiency in Structuring Deals and Change Management
• Advanced proficiency in Detail-Oriented and Leadership
• Expert proficiency in Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Financial analysis, Microsoft Office, Problem Solving, and Customer Service

Core Competencies

Demonstrates expertise in Credit Risk Assessment, Loan Structuring, and Portfolio Management within the technology sector, while effectively managing client relationships and adhering to regulatory compliance standards.

Highest-signal resume keywords

• Credit Risk Assessment
• Loan Structuring
• Portfolio Management
• Regulatory Compliance
• Financial Analysis

Hard Skills

• Credit Qualifications
• Lending Instruments
• Financial Operations
• Detail-Oriented
• Structuring Deals
• Change Management

Soft Skills

• Leadership
• Problem Solving
• Customer Service

Industry Keywords

• Commercial Banking
• Technology Clients
• Covenant Compliance
• Risk Management Framework
• Capital Allocation Strategies

Tools & Technologies

• Microsoft Office