Manage a portfolio of existing customer relationships, ensuring profitability and compliance with credit terms. Oversee loan renewals, risk assessment, and maintain customer relationships, while adhering to risk management policies.
Job Summary & Responsibilities
Position Responsibilities:
Portfolio and Risk Management
Portfolio Manager
Under general or minimal supervision, and in conjunction with RMs, manages the moderately complex aspects of a portfolio of existing customer relationships to ensure ongoing profitability and complete conformity with credit terms. Ensures the sale of additional financial services. Maintains a basic understanding of commercial, economic and financial circumstances and how they impact the customers and prospective customers under their management. Coordinates with key internal partners to support servicing of existing customer base.
Under general or minimal supervision, and in conjunction with RMs, manages the moderately complex aspects of a portfolio of existing customer relationships to ensure ongoing profitability and complete conformity with credit terms. Ensures the sale of additional financial services. Maintains a basic understanding of commercial, economic and financial circumstances and how they impact the customers and prospective customers under their management. Coordinates with key internal partners to support servicing of existing customer base.
Position Responsibilities:
Portfolio and Risk Management
- Retain and manage existing loan portfolio, taking ownership of all reviews and renewals for existing credit customers.
- Formulates an opinion of whether such relationships continue to be an acceptable risk.
- Decides loan terms and conditions if within own credit limits or makes recommendations to appropriate authority.
- Develops and maintains direct relationships with customers including a calling/contact effort with target of minimum in person contact of 2x per year.
- Provide oversight and guidance to credit support in underwriting for renewals and reviews.
Provide qualitative input for RECAP creation. - Works in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable.
- Coordinate with Loan Closers to facilitate closing of renewals or amendments.
- Adheres to Risk Management policies and guidelines, i.e. regulatory compliance, portfolio and credit quality, and portfolio management.
- Assists with monitoring existing loans to ensure compliance with terms of loan agreement and recommends corrective action on variances.
- Basic understanding of customers under their management.
- Identify & resolve operational and credit issues with loans held in portfolio with general supervision.
- Provide oversight and guidance to credit support in underwriting for renewals and reviews with general supervision.
- Manage all non-loan credit and product risk products for existing clients, incl. treasury (ACH, Business deposit capture, etc.,) approvals and documentation.
- Management of ad hoc and regulatory reporting within existing portfolio [both internal and external requests].
- Monitor, track, and assist in the collection of past due loan payments, exceptions, overdrafts, and maturing loans.
- Provide day-to-day servicing of portfolio including credit risk monitoring.
- Conducts interviews to develop information concerning the nature of the customer's business, financing or other needs.
Profitability:
- Identify and close appropriate incremental financial solutions with the goal of retention and some expansion, in coordination with the RM (cross sales).
- Retain existing portfolio and associated profitability.
Additional Duties:
- Promotes public bank image by being involved in meaningful community and business development activities, as appropriate.
Top Skills
Credit Management
Financial Services
Risk Management
Similar Jobs
Artificial Intelligence • Cloud • Computer Vision • Hardware • Internet of Things • Software
The Sr. Software Engineer I will focus on developing and improving the mobile platform, leveraging IoT data to enhance operational efficiency and safety for physical industries.
Top Skills:
Iot DataMobile PlatformsSoftware Engineering
Automotive • Big Data • Information Technology • Robotics • Software • Transportation • Manufacturing
The Early Career Technical Recruiting Manager leads recruitment for technical roles, manages a team, develops campus strategies, and ensures alignment with organizational goals while promoting a positive candidate experience.
Automotive • Big Data • Information Technology • Robotics • Software • Transportation • Manufacturing
The Senior Product Manager, AI Portfolio is responsible for identifying AI opportunities, guiding solution development, and collaborating with functional leaders to drive AI initiatives across the enterprise.
Top Skills:
AIGoogleMicrosoftMlPower BITableau
What you need to know about the Los Angeles Tech Scene
Los Angeles is a global leader in entertainment, so it’s no surprise that many of the biggest players in streaming, digital media and game development call the city home. But the city boasts plenty of non-entertainment innovation as well, with tech companies spanning verticals like AI, fintech, e-commerce and biotech. With major universities like Caltech, UCLA, USC and the nearby UC Irvine, the city has a steady supply of top-flight tech and engineering talent — not counting the graduates flocking to Los Angeles from across the world to enjoy its beaches, culture and year-round temperate climate.
Key Facts About Los Angeles Tech
- Number of Tech Workers: 375,800; 5.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Snap, Netflix, SpaceX, Disney, Google
- Key Industries: Artificial intelligence, adtech, media, software, game development
- Funding Landscape: $11.6 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Strong Ventures, Fifth Wall, Upfront Ventures, Mucker Capital, Kittyhawk Ventures
- Research Centers and Universities: California Institute of Technology, UCLA, University of Southern California, UC Irvine, Pepperdine, California Institute for Immunology and Immunotherapy, Center for Quantum Science and Engineering
