commercial credit portfolio manager

MountainOne

<div>Job Summary:
<div>The VP Commercial Credit Administration Manager is responsible for mentoring and supporting team members and for ensuring that effective underwriting and risk assessment outcomes are achieved. In conformance with the established policies and procedures performs credit analysis for new loan requests and oversees and administers existing portfolio including, but not limited to, preparation of annual reviews and loan modifications, as well as tracking financial information, and managing credit administration reports to enhance the overall risk management of the commercial loan portfolio. Works with credit team and commercial lending team to help and identify and resolve complex credit issues. Approves commercial loans up to $500,000 in TCC independently. Provides support to help ensure a satisfactory external loan review. Maintains and updates the Commercial Loan Policy and BHG Policy.
Salary Range: $120,000 - $165,000 per year, based on experience
</div>
Primary Responsibilities:
<ul><li>Analyze financial statements, management profiles, business/product cycles, historical operating performance and cash flow ability to develop an assessment of credit risk.</li>
<li>Provide supervision to all analysts supporting them with their professional development.</li>
<li>Work directly with analysts to enhance their credit analysis skills and writing, resulting in the performance of comprehensive, in-depth and meaningful credit analysis on loan transactions with moderate complications, independently and with minimal supervision from the Credit Manager.</li>
<li>Make constructive comments and recommendations on loan terms and structures to minimize credit risks and protect the Bank&rsquo;s capital.</li>
<li>Understands the balance between credit and lending, and that there are many factors to be considered in the underwriting process. Works collaboratively with the analysts and lenders to reach thoughtful recommendations that have been thoroughly reviewed and are in compliance with regulatory and Bank standards.</li>
<li>Effectively and independently, complete key credit underwriting for Mid-Size to large Commercial Loan requests in a timely fashion, including but not limited to Commercial Mortgages, Commercial and Industrial as well Working Capital Revolving Credit Loans and commercial construction loans.</li>
<li>Prepare and review in depth written analyses for relationships of various size and complexity, ensuring that the completed product is in compliance with laws, regulations and guidelines, as well as policies specific to the bank.</li>
<li>Perform analysis and research required for the annual review of all Borrower relationships as well as the annual review-renewal of all Working Capital Revolving Lines of Credit, and renewal of maturing loans.</li>
<li>Interact with customers, Bank officers and Loan Operations to respond to inquiries, questions, problems, and other credit issues on a timely basis.</li>
<li>Perform in-depth appraisal reviews to ensure all appraisals the Bank uses are in compliance with all related appraisal regulations and the Bank&rsquo;s internal Appraisal policy.</li>
<li>Provides various reports on a routine basis and as needed to effectively manage the commercial loan portfolio.</li>
<li>Prepares periodic analysis of industries for which the commercial loan portfolio has credit concentration to improve the Bank&rsquo;s underwriting of credits, particularly in new industries; monitors industry trends which affect the existing portfolio.</li>
<li>Oversees input, maintenance and distribution of credit administration related to the Finastra/Credit Quest and Abrigo Construct systems.</li>
<li>Manage the Bank&rsquo;s BHG Loan Purchase Program.</li>
<li>Acts as subject matter expert on regulatory requirements relating to the safety and soundness, and compliance regulations, of commercial lending. Shares knowledge and provides guidance to team members as needed.</li>
<li>Maintain compliance with all related Bank policies, Bank Secrecy Act, Confidentiality, standardized procedures and regulations.</li>
<li>Ongoing training to further overall banking background.</li>
<li>Represent the Bank in the community and at business and professional association functions.</li>
<li>Other duties as assigned.</li></ul></div>

VP Commercial Credit Administration Manager

Raiz Federal Credit Union

<div>Our Company
At Raiz FCU, we share a passion for knowledge and a pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936 we are growing to help our community move into the future. We are inspired people, invested in you. At Raiz, we guide our members to focus on what could be and help them get there. This new path inspires us to look ahead and the lead the way with passion.
Job Overview
This position reports to Business Services Operations Administrator. The Commercial Portfolio Manager / Underwriter may assist with an independent review of loan underwriting conducted on real estate secured and non-real estate secured loans. Underwriting review will include but may not be limited to; review with preparation of an underwriting summary of loans submitted by business loan personnel, assisting the commercial lenders with the preparation of loan presentations, analysis of new and existing loans financial packages - guarantors&rsquo; s financial data, tax returns (personal and corporate), income statements, balance sheets, financial statements, trends and business plans. Position requires extensive experience the spreading of tax returns and financial statement, along with spreading or business analytic systems.
This position will also assist department management with overseeing the business loan portfolio to include but not limited to tickler reports, monthly and quarterly reporting requirements. This position will also chair the Business Services policy. This position requires a high level of analytical and organization skills, ability to communicate complex financial subject matter, a thorough understanding of Business Lending programs, policies, and procedures.
The ability to multitask is vital to the successful execution of this position.
This individual will be an empowering mentor that will be:<ul><li>
A trusted expert</li><li>
A natural communicator</li><li>
A champion for our members and the community</li><li>
A guide through the moments that matter the most to our members</li></ul>
Position Details
Onsite- Raiz Business Services Center
6610 Continental Dr. El Paso, Tx 79925
Exempt (Salary)
Hours: Monday through Friday, occasional Saturdays
Pay Range
Pay commensurate with experience
Skills and Experience<ul><li>
Bachelor&rsquo;s Degree in Business Administration or related area</li><li>
Thorough knowledge of credit products, commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures</li><li>
Minimum of 5+ years of credit analysis and/or loan review experience, preferably in the banking industry, and 8 years of related or similar lending experience.
</li><li>Anticipates Business Member needs and develops a reputation for responsiveness</li><li>
Ensures success of change implementation through business strategy improvement and effective communication strategy for the commercial portfolio</li><li>
Strong analytical skills with the ability to interpret complex financial information and identify risk
</li><li>Good understanding of financial industry concepts, related laws, and regulations</li><li>
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines
</li><li>Previous credit union experience is a plus</li><li>
Excellent communication skills and avid listener, strong business writing</li><li>
Entrepreneurial mindset and quick to adapt to fast paced environment</li><li>
High integrity, detail oriented, and ability to evaluate and mitigate risk</li><li>
Proficient in Microsoft Office and web-based applications (Excel Pivot Table knowledge a plus)
</li></ul>Role Description and Essential Duties
<ul><li><div><ul><li>Responsible for the review and analysis of financial statements, preparation of loan presentation, assisting the commercial lenders with loan committee presentation for review and approval.</li><li>
Perform financial statement spreading and analysis on new and existing loan relationships.</li><li>
Evaluate creditworthiness of borrower and guarantors by evaluating cash flow and debt serviceability.</li><li>
Conduct market analysis for each loan presentation based on the industry of proposed borrower.
</li><li>Calculating financial ratios based on financial statements and data provided.</li><li>
Providing recommendations/suggestions to commercial lenders of loan structures, payment plans, and interest rates.
</li><li>Assist commercial lenders with the writing of loan presentations that are clear and concise using prudent underwriting standards.</li><li>
Ensure compliance with credit union policies and procedures and applicable regulations.</li><li>
Communicate with borrowers, guarantors, company controllers, and accountants to gather additional information and interpret financial statements</li><li>
Provides guidance and answers questions related to credit union and all other related services. Supports cross-selling efforts and solves problems.
</li><li>Knowledgeable expert who is educated on all services provided. Attends required training and demonstrates a willingness to keep learning.</li><li>
A natural communicator who picks up on member&rsquo;s concerns- and expresses things in a way they can relate to &ndash; and who helps them understand complex or intimidating topics, so they feel more knowledgeable.</li><li>
Good working relations exist with Credit Union personnel, lending team, and management.
</li><li>Assistance is provided as needed.
</li><li>Management is appropriately informed.</li><li>
Complies with all Bank Secrecy Act (BSA) rules and regulations, in addition to the Customer Identification Program (CIP).
</li><li>Attends required annual BSA training and required compliance training.</li><li>
All other duties assigned as identified</li></ul></div></li></ul></div>

Commercial Underwriter and Portfolio Manager

Columbia Bank

<div>About the Role:
 
Responsible for oversight of workflow management for a Commercial credit underwriting and loan portfolio management team within an assigned market ensuring comprehensive analysis of all new credit requests and servicing actions, as well as adherence to bank credit quality guidelines and other applicable policies. Coordinate workflow with other work groups to ensure smooth operation of the credit department and timely service to sales staff and customers.
<ul><li>Direct timely and accurate completion of Commercial credit authorizations, commitment letters, and other work products.
</li><li>Oversee initial reviews of credit requests and make recommendations to Credit Administrators while ensuring compliance with bank and other applicable policies and procedures.
</li><li>Oversee management of Commercial loan portfolio to ensure portfolio has consistent, high quality and timely work that complies with all credit policies and procedures.
</li><li>Responsible for management of Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, on-going training, performance reviews, coaching/development. May be required to manage and lead Credit Analyst internships for local university students.
</li><li>Oversee accurate and uniform written communication to clients, including commitment letters, declinations, and needs letters. Ensure compliance with all applicable regulations. Monitor point of contact for all underwriting/approval processes.
</li><li>Coordinate with Credit Administration and Internal Asset Review to respond to audit exceptions. Credit determinations for servicing requests and review of assigned deteriorating files.. Perform annual credit quality reviews on assigned files.
</li><li>Facilitate a complete understanding of bank credit policies and systems through training of direct reports and internal partners.
</li><li>Administer assignments and follow up on all types of complex credits and serve as a point of contact for related questions from direct reports and employees from other departments. Participate in internal credit and pipeline calls as necessary.
</li><li>Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities &ndash; knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
</li><li>Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
</li><li>Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
</li><li>May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
</li><li>Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
</li><li>Takes personal initiative and is a positive example for others to emulate.
</li><li>Embraces our vision to become &ldquo;Business Bank of Choice&rdquo;.
</li>May perform other duties as assigned. 
<li>
</li></ul> 
 
About You:
 
Education
<ul><li>Bachelor's Degree in Business, Finance, Accounting, or related field (preferred)
</li></ul>Experience
<ul><li>4-7 years &mdash; of Commercial Underwriting, Loan Portfolio Management or other related experience. (Required)
</li><li>4-7 years &mdash; of related supervisory/management experience. (Required)
</li></ul>Skills
<ul><li>Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes.
</li><li>Advanced knowledge and experience managing a commercial loan portfolio.
</li><li>Proficient knowledge of bank policies and documentation. Knowledge of SBA Credit and Environmental policies, SBA lending and eligibility standards, and SBA documentation, if applicable to assigned position.
</li><li>Possess strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills.
</li><li>Proven ability to read and interpret data from credit reports, financial tables and charts, financial ratios, tax returns, and other financial statements and information.
</li><li>Possess excellent written and verbal communication skills. Ability to prepare written reports, correspondence, and financial and background information required.
</li><li>Experience managing and developing others and the ability to build and maintain relationships. Demonstrates a commitment to attracting, motivating, and retaining top talent.
</li><li>Ability to work effectively with individuals and groups across the company to manage customer relationships.
</li><li>Ability to partner effectively with team (i.e. Commercial Relationship Manager, Underwriter) and Credit Administration.
</li><li>Proficient in word processing, spreadsheet, and industry specific software (Word, Excel, T-Soft, and Filemaker Pro preferred).
</li></ul>Travel Requirements
<ul><li>Occasional
</li></ul> 
The pay range for this role is $[Position/Area Minimum to Position/Area 1.2 Compa Ratio].
The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.
Primary Location: Ability to work fully onsite at posted location(s).
4370 La Jolla Village Dr Suite 300 San Diego CA 92122
Our Benefits:
We are proud to offer a competitive total rewards package including base wages and comprehensive benefits. 
We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.
Our Commitment to Diversity:
Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: careers@columbiabank.com .
To Staffing and Recruiting Agencies:
Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.</div>

Middle Market Credit Manager

Climate First Bank

<div>We are changing FINANCE to finance CHANGE!

At Climate First Bank, we&rsquo;re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services&mdash;including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans&mdash;all designed to power a better future. We&rsquo;re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.
With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we&rsquo;re proving that banking can be a force for good. We don&rsquo;t just support environmental and social causes&mdash;we&rsquo;re built on them.
Under our Holding Company, Climate First Bancorp, we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools&mdash;especially in climate finance and solar lending.
Join the Movement
We&rsquo;re seeking driven, mission-aligned individuals ready to make an impact. If you&rsquo;re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.
Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. 
Now Hiring: SBA Portfolio Manager
The SBA Portfolio Manager is responsible for the prudent oversight of the SBA Lending portfolio, including loan servicing, financial and collateral analysis, risk identification, and reporting. This role plays a critical part in maintaining portfolio health, ensuring regulatory compliance, and supporting clients throughout the life of their SBA loans in a collaborative, fast-paced environment. 
Thrive at Climate First Bank
At Climate First Bank, we&rsquo;re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.
Compensation &mdash; In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.
Health Coverage &mdash; 100% employer-paid for employees; employer contribution for dependents by Us
<ul><li>Medical, Dental &amp; Vision Insurance
</li><li>Health Savings Account (HSA)
</li><li>Free Telemedicine access via Teladoc
 </li></ul>Financial Wellness &amp; Wealth Building
<ul><li>401(k) with 6% Employer Match &mdash; No Vesting Period.
</li><li>Employee Stock Options
</li><li>Exclusive Employee Banking Perks
</li><li>0% Financing for Employee Solar Loans
</li><li>Employee Only Mortgage Product with exclusive interest rates and terms.
</li><li>0% Financing for Eligible Electric Vehicles (EVs)
</li><li>Referral Incentives
</li></ul>Generous Paid Time Off
<ul><li>2&ndash;4 Weeks of Vacation based on officer level plus additional tenure-based time.
</li><li>64 Hours of Paid Sick Time for all full-time employees.
</li></ul>Protection &amp; Peace of Mind
<ul><li>Company-Paid Life Insurance
</li><li>Short- &amp; Long-Term Disability Insurance
</li><li>Voluntary Life, Accident &amp; Critical Illness Coverage</li>
<li>Employee Assistance Program (EAP) with free counseling, legal, and financial services.</li>
</ul>
What You&rsquo;ll Contribute as the SBA Portfolio Manager
SBA Loan Portfolio Management &amp; Compliance
<ul><li>Manage the bank&rsquo;s SBA 7(a) loan portfolio, including servicing, monitoring, and reporting activities.
</li><li>Maintain working knowledge of SBA SOP 50 57, the Servicing and Liquidation Lender Matrix, and related regulatory guidance.
</li><li>Request, analyze, and review borrower financial information required for annual and ongoing reviews.</li>
<li>Conduct or coordinate site visits and prepare routine and special portfolio reports.</li>
</ul>
Credit Risk Identification, Analysis &amp; Workout Execution
<ul><li>Identify portfolio-level and loan-specific risks and recommend mitigation strategies.
</li><li>Recognize early warning signs of problem loans and take timely action to prevent further deterioration.
</li><li>Analyze borrower financial performance and operating history to support credit recommendations.</li>
<li>Develop and execute loan workout strategies, including special asset management when required.</li>
</ul>
Stakeholder Collaboration, Client Service &amp; Subject Matter Leadership
<ul><li>Provide responsive, high-quality service to SBA borrowers and internal partners.
</li><li>Collaborate with credit, lending, legal, and operations teams to resolve complex loan issues.</li>
<li>Serve as a subject matter resource on SBA regulations, servicing standards, and agency guidance.</li>
</ul>
Champion Our Mission, Protect What Matters
<ul><li>Embody a commitment to environmental, social, economic, and racial justice.
</li><li>Pursue education related to sustainability practices.
</li><li>Understand and follow Bank policies, procedures, and regulations.
</li><li>Protect the organization and its customers by identifying and escalating suspicious or fraudulent activity in collaboration with appropriate teams.
</li><li>Maintain working knowledge of applicable laws, regulations, and Bank policies; complete all required compliance and IT training.</li>
</ul>
What You&rsquo;ll Leverage in this Role:
Experience &amp; Education
<ul><li>Bachelor&rsquo;s degree in finance, Business Administration, or a related field preferred; can be substituted with relevant and extensive experience.
</li><li>5+ years of experience in SBA loan portfolio management, with a focus on special assets.</li>
</ul>
Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, and showcase your proven track record in managing distressed or non-performing loans, including developing and executing workout strategies. A high-pace and high-expectation environment excites you and you can&rsquo;t wait to push yourself to new professional heights in a company that rewards high performance.
Master Communicator - Whether it&rsquo;s in-person, on camera, phone, or chat &mdash; you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and possess effective negotiation skills, with the ability to build rapport and manage relationships with borrowers and internal stakeholders.
Banking &amp; Fintech Acumen- are highly educated in financial products and services, applicable regulations and laws. You also possess strong overall business acumen and are well-versed in SBA SOP&rsquo;s, guidelines, and regulations. You hold excellent analytical skills with the ability to assess financial statements, credit reports, and loan documentation.
Tech-Forward and Analytical Thinking - You are proficient in loan servicing systems and Microsoft Office Suite (Excel, Word, Outlook). You also possess the ability to learn new tools quickly, are excited by innovation and leverage technology to optimize your work process.

Commitment to Being a Team Player - You possess the ability to work independently in a remote environment while contributing to a collaborative team effort. You lift others up, share ideas, and bring positive energy to everything you do. You&rsquo;re dependable, communicate clearly and always happy to lend a hand where needed. 
What to expect from your physical environment
<ul><li>Remote role within the United States; Eastern Standard Hours.
</li><li>Occasional U.S. travel for company events or leadership sessions.
</li><li>Sustained standing and sitting.
</li><li>Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor.
</li><li>Occasional lifting up to 20 lbs.</li>
</ul>
What to expect from the hiring process:
Our process follows the Topgrading Methodology &mdash; we hire A-Players through a structured, transparent process.
<ul><li>Credit and background checks conducted upfront.
</li><li>3 conversation stages with key team members. We welcome questions and dialogue!
</li><li>Cognitive and personality assessments, as well as in-depth application spanning your full education and work history.
</li><li>Final Step: Connect us with former mentors and managers for brief reference chats.</li>
</ul>
HOW TO APPLY: Apply through the official application link. Resumes sent via unofficial channels may be delayed or not reviewed. All applicants receive confirmation upon submission. Due to high volume, processing times may vary. We will email or text updates throughout the process. 
Equal Opportunity Statement:
At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans
E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment.

Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.</div>

SBA Portfolio Manager

Toyota North America

<div>Overview
Who we are<div>
Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world&rsquo;s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We&rsquo;re looking for talented team members who want to Dream. Do. Grow. with us.
An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.</div>
To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.
Who we&rsquo;re looking for
Toyota&rsquo;s Dealer Lending Portfolio Management Department is looking for a passionate and highly motivated Dealer Lending Portfolio Analyst.
The Dealer Lending Portfolio Analyst is responsible for all aspects of monitoring and managing a portfolio of commercial dealers. This includes building relationships with dealership personnel and acting as a liaison between them and various internal stakeholders. Utilizing reporting, trackers, and systems, the Dealer Lending Portfolio Analyst will review metrics such as line utilization, audit results, financial performance, and operating trends to proactively identify risks and coordinate the appropriate mitigation efforts.
Reporting to the Dealer Lending Portfolio Management Supervisor, the person in this role will support the Dealer Lending Portfolio Management department's objective to focus on commercial loan risk management and excellent customer service to our internal and external customers.
What you&rsquo;ll be doing
<ul><li>Collaborate with Dealer Lending Operations, Underwriting, Risk, and Field Sales to assist with client servicing, collecting financial information, following up for documentation, reviewing audit performance, reviewing payment patterns, assessing financial performance, confirming Covenant compliance, and monitoring line utilization trends.
</li><li>Act as a point of contact both internally and externally for requests and questions related to a portfolio of commercial accounts.
</li><li>Work directly with dealership personnel to address issues and provide insight.
</li><li>Review reports and trackers, as well as pull ad-hoc information to monitor dealership financial performance, operating trends, and security position.</li><li>
Facilitate open communication channels between various internal business partners, i.e. Underwriting, Servicing, Audit, Risk, Field Sales, Legal, Treasury, etc., advising them as needed to support the underwriting and portfolio management process.</li><li>
Create and deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solution to support the Field Sales team&rsquo;s business development efforts with existing clients</li></ul>
What you bring
<ul><li>Bachelor&rsquo;s degree, in Business Administration or a related field or progressive years of relevant work experience in a similar or related industry.
</li><li>Experience in managing a portfolio of accounts.</li><li>
Ability to effectively communicate directly with customers and build relationships.
</li><li>Ability to work in a dynamic environment and adapt to shifting priorities.
</li></ul>Added bonus if you have
<ul><li>Commercial automotive experience at a captive finance company</li></ul>
What We&rsquo;ll Bring
During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:<ul><li>
A work environment built on teamwork, flexibility and respect</li><li>
Professional growth and development programs to help advance your career, as well as tuition reimbursement</li><li>
Team Member Vehicle Purchase Discount</li><li>
Toyota Team Member Lease Vehicle Program (if applicable)</li><li>
Comprehensive health care and wellness plans for your entire family</li><li>
Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute</li><li>
Paid holidays and paid time off</li><li>
Referral services related to prenatal services, adoption, childcare, schools and more</li><li>
Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)</li></ul>
Belonging at Toyota
Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members&rsquo; efforts to dream, do and grow without questioning that they belong.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.</div>

Dealer Lending Portfolio Analyst

CONVEYANCE

<div>Senior Credit / Portfolio Manager
Position Overview: 
A well-established, relationship-driven community bank is seeking a Senior Credit / Portfolio Management professional to join its commercial banking team in the Detroit market.
This role sits at the intersection of credit, team leadership, and long-term succession planning. While aligned to a Portfolio Manager function, this is not a heavily client-facing or production-driven role. Instead, it is best suited for someone who enjoys hands-on credit work, mentoring junior talent, and growing into future leadership within a stable, community banking platform.
Key Responsibilities:<ul><li>
Perform commercial credit underwriting and portfolio management across C&amp;I and CRE relationships</li><li>
Analyze financial statements, assess risk, and make sound credit recommendations</li><li>
Mentor, coach, and develop credit analysts and junior team members</li><li>
Support team leadership initiatives and contribute to long-term succession planning</li><li>
Partner with lenders and internal stakeholders to evaluate and structure deals within the bank&rsquo;s credit culture</li></ul>
Qualifications:<ul><li>
5&ndash;10 years of commercial credit or underwriting experience</li><li>
Experience in a generalist commercial banking environment with exposure to both C&amp;I and CRE</li><li>
Strong credit judgment and ability to think independently</li><li>
Experience mentoring or developing junior credit staff</li><li>
Bachelor&rsquo;s degree in a related field or equivalent experience</li></ul>
Preferred Attributes:<ul><li>
Collaborative, team-oriented mindset</li><li>
Interest in long-term growth within a community bank environment</li><li>
Ability to operate in a credit-first, relationship-driven culture</li></ul>
This is an opportunity to join a stable organization that prioritizes internal development, mentorship, and long-term career growth within a community banking model.</div>

Senior Commercial Portfolio Manager

East West Bank

<div>Introduction:
<div>Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates&rsquo; potential for career advancement.</div><div>
</div><div>
Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.</div>
Overview:
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The Portfolio Manager is responsible for underwriting, credit monitoring and portfolio management of C&amp; I Commercial Banking relationships. Primary responsibilities include analyzing financial data to determine the merits of loan requests, recommending structure, as well as identifying cross selling/referring opportunities of other services.</div>
Responsibilities:
<ul><li>Assisting Relationship Manager in underwriting and managing and Structuring commercial lines, owner occupied real estate transactions, commercial mortgages according to the Bank establish guidelines and policies</li><li>
Ongoing monitoring of credit/Covenant Compliance</li><li>
Analyze and create financial loan write-ups to generate new loans.
</li><li>Manage the renewal process by working with the Relationship Manager, the client and the credit department including increase/amendment/waiver</li><li>
Partner with the Relationship Manager as the point of contact for the client; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners</li><li>
Ensure compliance with EWB regulatory and credit requirements.
</li><li>Assist in accurately risk rating loans/credits.
</li><li>Develop problem loan credit solutions.
</li><li>Work with credit analyst in reviewing existing credits
</li><li>Ensure the portfolio administration and risk management of each client relationship is in compliance with established EWB credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
</li><li>As appropriate to experience, co-manage commercial relationships by analyzing financial data to determine the merits of specific loan requests, and recommend structure as well as aggressively managing the client relationship
</li><li>Responsible for credit risk and quality of the portfolio.
</li><li>Assist with due diligence/analysis with new client relationships, opportunity memos as appropriate.
</li><li>As appropriate with experience, assist in the development of junior bankers, credit analysts, and relationship associates.
</li><li>May make presentations on specific loans and participate in the bank's Loan Approval Process, recommending approval and appropriate structure of credits.
</li><li>Perform other administrative duties required for the maintenance of a portfolio of clients.</li><li>
Perform other duties and special projects as needed.</li></ul>
Qualifications:
<ul><li><div>Bachelor's degree or combination of education and directly related experience</div></li><li>
Ideally has 5-7 years of banking experience with a minimum of 3-4 years of direct portfolio management experience</li><li>
Demonstrates strong underwriting and projection skills</li><li>
Has strong understanding of credit policy and procedures and is able to accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits</li><li>
Develop problem loan credit solutions.</li><li>
Has strong knowledge base in Treasury, FX and Derivative products and have demonstrated abilities in coordinating the resources of the bank to bring effective full service solutions to the company.</li></ul><div>
Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time. 
 
</div>Compensation: The base pay range for this position is USD $85,000.00/Yr. - USD $150,000.00/Yr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.</div>

Portfolio Manager

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