Mgr - Commercial Portfolio Management

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

12141

Grade:

27S

Status:

Exempt

POSITION AND PURPOSE

The Manager, Commercial Portfolio Management is responsible for leading a team of Portfolio Managers, Portfolio Administrators, and Credit Analysts responsible for the ongoing administration, monitoring, servicing, and risk management of the commercial loan portfolio. This position oversees all post-funding portfolio management activities, including annual reviews, financial statement analysis, covenant compliance, risk rating administration, exception management, portfolio reporting, and borrower performance monitoring.

This individual possesses a thorough understanding of commercial lending products, credit risk management, portfolio administration, and regulatory requirements. The manager is responsible for developing, managing, and recommending enhancements to portfolio management procedures, monitoring practices, and reporting frameworks to ensure an acceptable level of risk, strong portfolio performance, and compliance with applicable regulations and internal policies.

The Manager, Commercial Portfolio Management serves as a key partner in the Credit Union's risk management framework by proactively identifying emerging credit concerns, overseeing portfolio risk migration, and collaborating with Special Assets and Business Lending leadership to develop strategies that preserve portfolio quality and minimize credit losses.

The manager is responsible for motivational leadership with emphasis on teamwork, communication, training, employee development, and performance management while ensuring the consistent execution of portfolio management activities across the commercial loan portfolio.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You lead and oversee commercial portfolio management activities, leveraging your expertise in credit risk, financial analysis, and portfolio administration to maintain a high-quality commercial loan portfolio and support sound lending practices

You are a strategic and results-driven leader who combines strong commercial credit knowledge with effective people leadership to guide portfolio monitoring, risk management, and operational execution while developing a high-performing team.

You partner across the organization to identify emerging credit risks, drive informed decision-making, and continuously enhance portfolio management practices, reporting capabilities, and controls to protect asset quality and support organizational objectives.

THE WORK

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Manage and oversee portfolio management activities including annual reviews, covenant monitoring, financial analysis, portfolio administration, exception tracking, and risk reporting.

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Provide consistent and knowledgeable expertise in all areas of commercial portfolio management, credit administration, and portfolio risk oversight.

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Lead and develop Portfolio Managers, Portfolio Administrators, and Credit Analysts to ensure timely completion of annual reviews, borrower monitoring, covenant compliance, and risk assessment activities.

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Work and coordinate with Relationship Managers, Underwriters, Special Assets, Compliance, and other stakeholders to ensure portfolio objectives, service standards, and risk management requirements are achieved.

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Review and approve portfolio actions within assigned authority limits, ensuring timely and consistent decision-making.

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Monitor portfolio quality trends, concentrations, risk migration, and emerging credit concerns while recommending appropriate risk mitigation strategies.

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Ensure accurate and timely collection, analysis, and monitoring of borrower financial statements, tax returns, rent rolls, borrowing base certificates, covenant reporting, and other required portfolio information.

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Ensure the ongoing integrity and accuracy of loan portfolio information, risk ratings, covenant tracking systems, and portfolio reporting data while recommending and implementing corrective actions as needed.

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Ensure a consistent work product that is accurate, timely, and free from material errors or omissions.

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Manage department productivity, workflow prioritization, resource allocation, coaching, and employee development activities.

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Accountable for audit results, compliance scores, examination findings, annual review completion metrics, and implementation of corrective action plans.

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Organize and prepare monthly, quarterly, and annual portfolio performance, concentration, risk, and exception reports for management and executive leadership.

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Present portfolio performance trends, risk findings, criticized asset activity, concentration exposures, and recommended action plans to leadership as requested.

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Collaborate with Business Lending leadership to identify, research, validate, implement, and evaluate opportunities to enhance portfolio management practices, procedures, technologies, reporting capabilities, and operational efficiency.

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Partner with Commercial Underwriting leadership to ensure effective transition of credits from origination through ongoing portfolio management and risk monitoring.

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Lead annual review, covenant compliance, and portfolio remediation initiatives to ensure portfolio monitoring requirements are completed in accordance with policy and regulatory expectations.

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Support strategic initiatives, system implementations, vendor relationships, and process improvement efforts that impact portfolio administration and portfolio risk management activities.

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Develop and maintain an understanding of pertinent regulatory requirements and risks inherent to portfolio management responsibilities and establish control activities that mitigate risk while supporting regulatory compliance and strategic objectives.

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Collaborate closely with the Special Assets Manager to identify, evaluate, and manage borrowers exhibiting signs of credit deterioration. Monitor criticized and classified assets, recommend risk rating changes, develop risk mitigation strategies, and coordinate borrower action plans to proactively address emerging credit concerns and minimize potential losses.

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Provide oversight and governance of portfolio exception management, risk rating accuracy, and borrower monitoring practices to ensure risk exposures are identified, escalated, and resolved appropriately.

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Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations.

QUALIFICATIONS

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Bachelor’s Degree in Business, Finance, Accounting, Economics, or a related field required

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Directly related experience may be considered in lieu of education

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5+ years or more managing commercial portfolio management, commercial credit administration, commercial banking, or credit risk management functions required

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Must demonstrate effective leadership skills and advanced knowledge of commercial lending products, portfolio management practices, and credit risk management.

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Strong understanding of commercial real estate and commercial business lending structures and performance monitoring requirements.

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Advanced financial statement analysis, cash flow analysis, and credit risk assessment skills.

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Experience managing annual review programs, covenant compliance processes, exception management frameworks, and portfolio reporting.

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Advanced problem-solving skills and ability to respond effectively to complex borrower and portfolio situations.

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Possess an advanced ability to navigate and resolve conflicts with discretion and professionalism.

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Advanced proficiency with systems, databases, portfolio management applications, and reporting technologies.

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Independent self-motivated leader who takes initiative without the need for direct supervision.

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Highly flexible and adaptable to changing business conditions and priorities.

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Ability to analyze situations and make critical informed decisions that support strategic objectives and sound risk management practices.

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Strong knowledge of problem loan management, risk rating methodologies, portfolio monitoring practices, and commercial credit workout fundamentals.

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Demonstrated ability to identify emerging credit risks, evaluate downgrade recommendations, and collaborate effectively with Special Assets on criticized and classified relationships.

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N/A

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Drives for Results - Ensures team meets goals 

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Collaborates Across Teams - Promotes inclusion and teamwork 

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Builds Trust and Credibility - Earns confidence through integrity

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Develops Others Through Feedback - Supports employee growth 

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Takes Initiative - Owns outcomes

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Builds Strategic Partnerships - Connects across functions

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

Managers, peer supervisors, executives, relationship managers, commercial underwriters, special assets personnel, compliance partners, and staff at all levels.

EXTERNAL:

Credit Union members, vendors, auditors, service providers, regulatory entities, the general public and other business-related relationships that may arise.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.