Portfolio Manager

SUPERVISORY RESPONSIBILITIES

Portfolio Quality team and other assigned Access Plus Capital staff.

Under the direction of the VP of Lending, the Portfolio Manager is responsible for managing the day‑to‑day operations of loan servicing and loan portfolios of APC. Works with the loan servicing team to ensure collection of loan payments from all current and potential borrowers and credit enhancement submissions. The Portfolio Manager manages borrower relationships, conducts financial analysis, completes the underwriting and restructuring of loans, as well as provides technical assistance to support the success of borrowers and the health of the loan portfolio.

The role requires creative structuring and resourceful relationships and partnership development to succeed in maintaining the quality of the portfolio.

Access Plus Capital is a U.S. Treasury‑certified community development financial institution and Small Business Administration (SBA) Approved Community Advantage SBLC and Microloan Intermediary Lender. It offers financing and training services to small businesses and entrepreneurs in central California. Since its inception in 2009, it has lent over $40 million to over 850+ entrepreneurs helping them realize their dreams by starting and growing their small businesses.

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• Oversee personnel management functions, including hiring, performance evaluations, employee development, and corrective action when necessary.
• Investigate, evaluate, and analyze client financial statements, tax returns, and all other available sources of credit and financial information.
• Participate in portfolio and aging reviews. Take proper course of action, as appropriate to collect outstanding loan payments and in certain cases liquidate a non‑compliant business.
• Coordinate with the Business Services team to ensure clients receive proper technical assistance to ensure success of the business. Stays compliant with loan covenants and technical assistance contracts.
• Develop and oversee data tracking and project evaluation tools to monitor project outputs and outcomes to ensure delinquencies remain within acceptable rates.
• Execute loan change‑in‑terms to provide relief for clients as deemed necessary in compliance with internal loan policy as well as third‑party guidelines such as and not limited to SBA, United States Department of Agriculture (USDA), CAL CAP, State Loan Guarantee (SBLGP) and others.
• Work with the Business Development team to drive additional loans from existing clients.
• Collaborate with the Credit and Portfolio team to manage loan compliances and loan modifications.
• Make policy recommendations based on portfolio and industry performance to senior management including regulatory compliance guidelines.
• Evaluate the organization’s performance and analysis of Loan Loss Reserves and collateral, in addition to insurance and financial compliance of borrowers.
• Ensure all loans in the portfolio are periodically reviewed and risk‑rated, as per the Risk Rating System.
• Support the VP of Lending with the preparation of reports for the Risk Committee and APC Board of Directors.
• Coordinate and present monthly and/or quarterly portfolio performance to the Risk Committee.
• Oversee client disputes, regarding, but not limited to credit reporting, lien filing, payment processing, and other requests.
• Responsible for third‑party client information requests and for coordinating payment collection efforts with vendors.
• Coordinate and manage loan recovery efforts, including proper reporting of loan write‑offs, collateral liquidation, and submitting applicable loan loss claims to guarantors for demand payment.
• Performs other duties as assigned.
• Travels for agency business using reliable transportation.
• Works evenings and weekends as required.

To execute this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.