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Portfolio Manager

CalPrivate Bank • Full-time • Brea, California, United States • $121k - $145k / year • 4h ago

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The Role: Portfolio Manager, Commercial Lending

The Location: Orange County, Ca

Reports To: SVP, Director of Portfolio Management

Make a Difference Where It Matters Most

At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make. 
 
We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you.

Your Opportunity: Portfolio Manager

Under the guidance of the Director of Portfolio Management, this position is responsible for the ongoing management, credit performance, and lifecycle execution of a portfolio of commercial banking relationships. Provide an exemplary level of client service on all relationships, whether in a primary or support role. The Portfolio Manager serves as the primary credit steward for assigned relationships post-origination. The position may also assist in underwriting and executing renewals, modifications, and extensions; proactively managing credit risk; and ensuring timely action on maturing exposures.

What You’ll Do

Portfolio Ownership & Credit Management

Manage a portfolio of commercial credits across assigned segments and or subsegments (e.g., geographic, specific relationships, or product types: C&I, CRE, middle market)
Maintain forward-looking risk assessments, including accurate risk rating accuracy and migration
Monitor financial performance, industry trends, and sponsor strength
Identify emerging risks early and recommend action plans

Covenant Monitoring & Reporting

Oversee covenant compliance and testing
Drive timely borrower reporting and exception resolution
Recommend waivers or amendments where appropriate
Perform financial analysis, cash flow modeling, and structure transactions

Renewals, Modifications & Maturity Management

Support in underwriting and execution of:
- Timely completion of annual renewals
- Timely completion of amendments and modifications
- Extensions and restructures
- Proactively manage upcoming maturities (e.g., 90–180 day pipeline)
- Partner with relationship managers to determine credit strategy (renew, exit, restructure)
Ensure compliance with credit policy, regulatory expectations, and risk appetite
Perform financial analysis, cash flow modeling, and structure transactions
Prepare credit approval packages and present to credit managers/officers and/or committees.

AML/CFT/Compliance Responsibilities

This position includes direct or indirect interaction with customers and other employees and therefore includes responsibilities relating to BSA/AML. The employee will have opportunity to examine and view information and documents produced by other employees of the Bank relating to BSA and therefore has the obligation to report suspicious activity to the BSA Officer as appropriate. The employee is responsible for understanding and following the Bank’s BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program.

Who You Are

Experience & Expertise

Minimum of 3 years of prior work experience in SBA workout & liquidation
Knowledge of bankruptcy, workout, UCC, litigations, foreclosure, and disposition of collateral.
Knowledge in financial analysis, with the ability to assess business financial statements and restructure SBA loans accordingly.
Knowledge in SBA and C&I loan documentation
Excellent verbal and written communication skills.
Excellent organizational and time management skills
Ability to handle multiples tasks at once.
Detailed oriented and accurate
Able to meet deadlines and workload demands.
Ability to work effectively with a variety of individuals, strong interpersonal skills.
Proficient in Microsoft Excel and Microsoft Word
Proficient in loan origination and management software such as nCino
Proficient in data query and analysis from core accounting platforms such as Jack Henery, FISRV, FIS, or DCI.
Business acumen to effectively interact with clients.
Team focused and solution oriented.
Must consistently provide the highest level of customer service.

Mindset & Values

You lead with accountability, integrity, and consistency.
You thrive in a collaborative environment where transparency and follow-through matter.
You model professionalism, calm under pressure, and have a solutions-oriented mindset.
You embrace data-driven decision-making while maintaining a client-first perspective.
You embody CalPrivate’s culture, heart for client, excellence in service, and deep commitment to the Bank and its people.

Physical Demands

Ability to sit or stand for extended periods of time.
Ability to physically use a keyboard/mouse
Ability to walk to and from workstations
Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds.
Specific vision abilities required by this job include close vision and ability to adjust focus

Why CalPrivate Bank?

This isn’t just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don’t just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we’re building a team of people who reflect those values in everything they do.

If you’re looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?

valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?