Senior Portfolio Manager

The Portfolio Manager oversees a portfolio of factoring clients to ensure strong credit quality, healthy portfolio performance, and exceptional customer service. This role is responsible for managing daily risk, monitoring client activity, analyzing financial and credit data, and ensuring compliance with company policies. The ideal candidate is analytical, detail-oriented, and skilled at building strong client relationships while protecting the company's capital.

• Manage a portfolio of factoring clients, ensuring appropriate risk levels and adherence to credit limits.
• Monitor debtor creditworthiness, aging reports, concentration risk, and client financial health.
• Review and approve funding requests within assigned credit authority.
• Identify early warning signs of credit deterioration and take preemptive action.
• Ensure collateral compliance, proper documentation, and adherence to factoring agreements.

• Serve as primary point of contact for clients regarding funding, account questions, and portfolio performance.
• Build and maintain strong relationships with clients while promoting responsible financial management.
• Provide guidance to clients on invoice submission, dispute resolution, and best practices.
• Conduct ongoing analysis of client financials, borrowing base availability, and payment trends.
• Evaluate new debtor credit applications and recommend credit limits.
• Review and resolve invoice disputes, chargebacks, and exceptions.
• Prepare periodic portfolio reports, risk summaries, and performance metrics for management.

• Partner with underwriting, operations, collections, and sales teams to support portfolio quality.
• Coordinate with legal and compliance teams on contract issues or risk events.
• Assist in onboarding new clients and transitioning accounts to active portfolios.

• Maintain complete and accurate account records in accordance with company policies and regulatory requirements.
• Uphold anti-fraud procedures and ensure proper due diligence for all transactions.
• Support internal and external audits as needed.

• Bachelor's degree in Finance, Business, Accounting, or related field (or equivalent experience).
• 7-10 years of experience in factoring, asset-based lending (ABL), commercial lending, or credit analysis.
• Strong understanding of credit principles, risk analysis, invoice finance, and collateral management.
• Excellent communication, customer service, and relationship-building skills.
• Advanced proficiency with Excel and financial analysis tools.

• Experience using Factoring or ABL portfolio systems (e.g., Factor Soft, Hub Tran, Jack Henry, or similar).
• Industry-specific knowledge (e.g., transportation, staffing, manufacturing).
• Familiarity with UCC filings, lien searches, and commercial credit bureaus (e.g., D&B, Experian).