GGL Portfolio Manager
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Job Location:
Monthly Salary:
Posted on:
14 hours ago
Vacancies:
1 Vacancy
Job Summary
SUMMARY
The Portfolio Manager is an individual contributor role within the Government Guaranteed Lending Portfolio Management team and is responsible for the ongoing monitoring credit oversight and servicing execution of an assigned portfolio of GGL borrowers. The role is focused on maintaining credit quality regulatory compliance and consistent portfolio management execution throughout the life of the loan.
The Portfolio Manager is an individual contributor role within the Government Guaranteed Lending Portfolio Management team and is responsible for the ongoing monitoring credit oversight and servicing execution of an assigned portfolio of GGL borrowers. The role is focused on maintaining credit quality regulatory compliance and consistent portfolio management execution throughout the life of the loan.
The Portfolio Manager works closely with Relationship Management Underwriting Credit Servicing and the Special Assets Group (SAG) to support effective risk management timely borrower followup and adherence to Bank and SBA requirements.
ESSENTIAL DUTIES AND RESPONSIBILITIES
HandsOn Portfolio Management
- Maintains direct responsibility for an assigned portfolio of GGL borrowers.
- Performs ongoing credit monitoring financial analysis covenant tracking and borrower communication.
- Manages renewals modifications waivers and other portfolio actions in accordance with Bank and SBA requirements.
- Handles complex higherrisk or highertouch borrower relationships as assigned.
- Ensures timely collection of required financial information and documentation.
Portfolio Quality & Risk Management
- Identifies emerging credit risks borrower performance concerns and documentation gaps within the assigned portfolio.
- Escalates material credit documentation or compliance issues to management consistent with Bank guidelines.
- Provides input regarding portfolio trends concentrations and potential risk drivers based on portfolio observations.
Problem Loan Identification & SAG Coordination
- Works closely with the Special Assets Group (SAG) on watchlist credits problem loans and deteriorating borrower relationships.
- Assists in identifying loans that meet criteria for heightened monitoring or transfer to SAG.
- Supports a smooth handoff process by coordinating documentation analysis and borrower history as needed.
- Coordinates with SAG Underwriting and Credit to ensure timely escalation and appropriate risk management actions.
Process Tools & Execution
- Adheres to established PM processes procedures templates and reporting tools.
- Applies policy credit guidance and regulatory requirements to daytoday portfolio management activities.
- Promotes consistent documentation monitoring and risk management standards within assigned responsibilities.
CrossFunctional Coordination
- Coordinates with Portfolio Management peers Underwriting Sales Credit Servicing and SAG to resolve borrower or loanrelated issues.
- Escalates issues that may impact borrower relationships credit quality compliance or service levels.
- Supports efficient execution and communication across functions involved in portfolio management.
ADDITIONAL RESPONSIBILITIES
Demonstrates high degree of professionalism in communication attitude and teamwork with customers peers and management
Demonstrates high level of quality work attendance and appearance
Adheres to all Company Policies & Procedures and Safety Regulations
Adheres to local state and federal laws
Understands and complies with all company rules and regulations
Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions as they apply to your position and job responsibilities with an emphasis on the BSA/AML/CIP Consumer Privacy Regulation CC Information Security Bank Protection Act FACT-Identity Theft Information Technology and GLBA.
Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
A Bachelors degree from a four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
Minimum of 35 years of experience in SBA portfolio management credit administration or a related banking function.
Strong understanding of SBA 7(a) and/or 504 loan programs and portfolio management requirements.
Strong intermediate knowledge of accounting principles tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
Ability to read analyze and interpret general business periodicals professional journals technical procedures or governmental regulations. Ability to write reports business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers clients customers and the general public.
Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Strong working knowledge of Microsoft Word and Excel and other financial analysis software programs.
Intermediate working knowledge of loan documentation.
Must be able to handle a strong volume of work flow from various sources.
Ability to maintain confidentiality of all bank and client information.
Ability to read analyze and interpret general business periodicals professional journals technical procedures or governmental regulations. Ability to write reports business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers clients customers and the general public.
Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Strong working knowledge of Microsoft Word and Excel and other financial analysis software programs.
Intermediate working knowledge of loan documentation.
Must be able to handle a strong volume of work flow from various sources.
Ability to maintain confidentiality of all bank and client information.
COMPETENCIES:
Adaptability
Communication
Decision Making
Initiative
Innovation
Motivator
Organization
Professionalism
Results Orientated
PHYSICAL DEMANDS: In general the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job.
Standing walking and squatting less than fifty percent of the work shift
Required to lift move and carry up to 40 pounds
Ability to read count and write to accurately complete all documentation and reports
Must be able to see hear and speak in order to communicate with employees and other customers
Specific vision abilities include close vision distance vision peripheral vision depth perception and ability to adjust focus
Manual dexterity required using hands to finger; handle feel and type; reach with hands and arms
WORK ENVIRONMENT: In general the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.
The work space is clean orderly properly lighted and ventilated with the proper safety compliance
Noise levels are considered moderate
Required Experience:
Manager
About Company
Sunwest Bank is an entrepreneurial business bank built for entrepreneurs by entrepreneurs. Find bank accounts, financing, HSA and more banking services.
