Business Lending Portfolio Manager

Job Summary

Leads the portfolio management and reporting processes for Mountain America’s Business Lending team. Manages team members to ensure quality member service, proper maintenance and management of the commercial and Small Business Administration (SBA) loan portfolios. Ensures timely, accurate, and comprehensive reporting is available to leadership. Collaborates with the Business Lending Closing Manager with exams, review, and audit preparation. Reports to the Business Lending Director Portfolio Management and is responsible for the development and growth of the portfolio management team members.

Coordinates with other Business Lending leaders to ensure accurate and efficient processes and procedures, and actively participates in overall team strategy, planning, and leadership.

Mountain America Center - In Office
9800 S Monroe St
Sandy, UT 84070

Full Time

• Team Leadership and Management:
  • Lead Business Lending’s portfolio management team members by establishing performance expectations and accountability standards
  • Oversee development, training, workflow, and scheduling to meet individual and team goals
  • Monitor and track productivity and efficiency of each team member, identifying needs for training and development
• Portfolio Management:
  • Monitor and manage watch lists, problem loans, and delinquent loans for all of Business Lending
  • Responsible for the credit quality of the Business Lending Portfolio
  • Structure and review loan modification requests to ensure accurate and quality analysis
  • Implement processes for review and retention of all loan files and documents pre- and post-closing
  • Administer, maintain, review, analyze, monitor, and track overall portfolio performance, identifying trends and areas of focus for management
  • Oversee annual loan review processes
• Exams, Compliance, and Reporting:
  • Partner with leadership for preparation for all exams, reviews, and audits – including NCUA ONES exams, internal audits, external reviews, and SBA audits
  • Collaborate with management to ensure compliance and consistency in practices and procedures for the Business Lending team, Special Assets, and Compliance
  • Maintain proficient knowledge of core and LOS systems, ensuring all portfolio loans are accurately booked and maintained
  • Develop and maintain internal reporting to monitor progress of requests through the modification and renewal phases
  • Oversee all reporting for Business Lending, including production, incentives, delinquency, portfolio management, concentration, risk ratings, modifications, and other key metrics
  • Develop and maintain compliant reporting as required for CECL, CFPB, and other regulatory bodies
• Loan Participations:
  • As directed, manage loan participations – ongoing monitoring and management of the participated loans, set and ensure adherence to participation procedures, and collaborate with sales teams on new participation opportunities
• Vendor and Budget Management:
  • Monitor performance of and maintain lists of approved vendors relevant to portfolio management functions
  • Ensure the team operates within established budgets, policies, procedures, practices, and regulations
• Collaboration and Communication:
  • Promote open communication among all areas affected by portfolio management, including sales, underwriting, closing and construction teams
  • Serve as a source for coordination and delivery of information requested by reviewers, examiners, and auditors
  • Advise team management on key areas of opportunity and need for process improvement, employee development, and overall team progress
  • Partner with the Talent Development team to develop and implement processes to maximize compliance, process changes, and professional development for the team
  • Collaborate with finance team on participated business loans
• Other duties as assigned

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

• 5 years of progressive experience in a financial environment. Demonstrated experience in small business lending, real estate lending, commercial lending, construction lending and related loan products preferred.
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