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?
Skills Required
- Minimum of 3 years of prior work experience in SBA workout and liquidation
- Knowledge of bankruptcy, workout, UCC, litigation, foreclosure, and collateral disposition
- Knowledge of financial analysis and ability to assess business financial statements and restructure SBA loans
- Knowledge of SBA and C&I loan documentation
- Excellent verbal and written communication skills
- Excellent organizational and time management skills
- Ability to handle multiple tasks simultaneously
- Detail-oriented and accurate
- Ability to meet deadlines and workload demands
- Ability to work effectively with a variety of individuals and demonstrate strong interpersonal skills
- Proficiency in Microsoft Excel and Microsoft Word
- Proficiency in loan origination and management software such as nCino
- Proficiency in data querying and analysis from core accounting platforms such as Jack Henry, FISRV, FIS, or DCI
- Business acumen to effectively interact with clients
- Team-focused and solution-oriented approach
- Consistently provide a high level of customer service
- Ability to sit or stand for extended periods and use a keyboard and mouse
- Ability to walk to and from workstations
- Ability to frequently lift or move up to 10 pounds and occasionally lift or move up to 50 pounds
- Close vision and ability to adjust focus
What We Do
CalPrivate Bank is a relationship-based commercial and private bank serving successful individuals, businesses, entrepreneurs, and their trusted advisors. It provides personalized financial solutions for complex needs, including deposit accounts, treasury management, and customized lending. Headquartered in La Jolla, California, the bank operates seven full-service branches across coastal Southern California and emphasizes a distinctively different banking experience, creative funding solutions, and unparalleled service.
.png){kind=logo}
