Under minimal supervision, the VP-Specialized Lending Portfolio Manager supports the management of a portfolio of commercial real estate loans, including bond and letter of credit financing. This role is responsible for monitoring portfolio performance, evaluating credit risk, and collaborating with Credit Administration to maintain established credit quality standards. The position partners closely with Relationship Managers and other internal stakeholders to support the ongoing quality, profitability, and effective administration of lending relationships.
Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.
Essential Duties and Responsibilities:
- Draft loan discussion memos to be presented to loan committee ensuring completeness and accuracy of information provided.
- Analyze financial information to evaluate the credit worthiness of new loan requests, renewal loan requests, and/or changes to approved loans. Manage these requests within the parameters of loan policies and procedures.
- Provide leadership in the evaluation, structuring, and approval of complex lending transactions, recommending credit structures and risk mitigants that support both client objectives and the Bank's strategic and credit risk management goals.
- Act as a key liaison between clients, relationship managers, credit administration, legal counsel, and loan operations.
- Ensure all required documentation is in file for all loans. Partner with the lending team and Loan Processing to help clear documentation and/or compliance issues.
- Oversee the ongoing management of an assigned loan portfolio, including covenant compliance monitoring, annual relationship reviews, exception management, and the execution of credit risk mitigation strategies. Oversee letter of credit invoicing, property account cash movement, and facilitate property improvement/CAPEX reimbursement process.
- Monitor portfolio trends, concentrations, and emerging risks within the assigned loan portfolio, proactively identifying concerns and recommending risk mitigation strategies to preserve asset quality and support the Bank’s credit objectives.
- Contribute to the loan team’s success in meeting and/or exceeding volume and production goals. Accompany lenders or attend virtual sales calls to assist with account details, relationship building, and product recommendations.
- Conduct property site inspections as required.
- Prepare and generate requested reports as necessary on assigned loan portfolio.
- Undertake special projects related to job function as determined by the manager.
- Other duties as assigned
Supervisory Responsibilities: This job has no supervisory responsibilities; however, all employees are expected to provide mentoring and training support as necessary.
Qualifications:
- Bachelor’s degree in business or related field preferred
- Minimum 7 years of Commercial Banking experience
- Demonstrated experience analyzing complex commercial credit relationships, including commercial real estate, construction, specialty lending, or comparable asset classes. Proficiency in Microsoft Office applications, including Word, Excel, Outlook, and other banking and portfolio management systems Excellent analytical, organizational, and problem-solving skills, with the ability to manage multiple priorities and deadlines.
- Strong written and verbal communication skills, including the ability to prepare credit presentations and effectively communicate recommendations to management, loan committees, and business partners.
Physical/Mental Demands & Work Environment:
The incumbent in the course of performing this position frequently spends time writing, typing, speaking, listening, operating basic business equipment, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, walking, standing, reading documents or instruments, detailed work, problem solving, client contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and frequent interruptions. The incumbent for this position will occasionally lift up to 15 pounds, pull, squat, kneel and reach. The incumbent is in a non-confined office-type setting in which they are free to move about at will. The work environment is typically quiet to a moderate noise level.
Travel: There will be occasional local, out-of-area, and overnight travel.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Management reserves the right to change this position description at any time.
See qualifications above.
Poppy Bank is proud to offer a competitive compensation and benefits package. The pay range is intended as a general guideline, with individual compensation determined based on a variety of factors, including relevant experience, education and training, internal equity, geographic location, and other business considerations.
Poppy Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
For San Francisco Postings, review 2026 Fair Chance Ordinance.