Portfolio Manager

Avidbank

AVP Portfolio Manager in Specialty Finance overseeing underwriting and managing a portfolio of credits. Focuses on credit risk management and excellent customer service in a hybrid work environment.

Posted 6/11/2026full-timeSan Jose • California • 🇺🇸 United StatesMid-LevelSenior💰 $90,000 - $140,000 per yearWebsite

About the role

Key responsibilities & impact

Monitors existing portfolio credits against reporting, financial, and Bank policies.
Provides regular updates to relationship managers and credit admin.
Underwrites and coordinates the closing of Specialty Finance credit products in compliance with the Bank's lending policies and procedures.
Helps mentor and coach junior team members with respect to underwriting and portfolio management.
Analyze markets conditions to ensure proper underwriting standards and portfolio management is being maintained.
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions.
Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
Negotiates along with Business Development Officer or Relationship Manager, underwrites and processes renewals of credit facilities.
Authorizes commitment, engagement, adverse action and decline letters.
Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise.
Performs other duties as assigned.

Requirements

What you’ll need

Thorough understanding of financial services and banking products
Strong underwriting and portfolio management skills
Financial modeling experience and comfort
Ability to manage complex credits and client relationships
Background in cash flow lending for sponsor-backed borrowers a plus
Thrives in a dynamic and remote work environment
Skilled communicator (written and verbal)
Strong ability to lead and motivate junior staff
Ability to interpret financial data and reports and when necessary, recommend appropriate actions
Ensures absolute confidentiality in all areas of responsibility
Pro-active attitude and resourcefulness
Bachelor's degree along with at least 3+ years of experience

Benefits

Comp & perks

Competitive compensation
Medical, dental, and vision insurance
Life insurance
Long-term disability insurance
401k with matching
Paid holidays
Competitive paid time off policy

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

underwritingportfolio managementfinancial modelingcash flow lendingcredit analysisrisk assessmentloan processingfinancial data interpretationnegotiationcompliance

Soft Skills

communicationleadershipmentoringproblem-solvingresourcefulnessconfidentialityrelationship managementadaptabilityproactive attitudeteam motivation

Certifications

Bachelor's degree