Sr. Portfolio Analyst

The Role: Sr. Portfolio Analyst

The Location: Orange County, California 

Make a Difference Where It Matters Most 

At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make.

 

 We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you. 

Your Opportunity: Sr. Portfolio Analyst

The Senior Portfolio Analyst plays an important role in supporting CalPrivate Bank’s mission, credit culture, and continued growth by helping ensure the Bank’s commercial loan portfolio is proactively monitored, accurately analyzed, and maintained in accordance with established credit standards and regulatory requirements. Through disciplined portfolio management, timely financial analysis, and close partnership with Relationship Managers, Portfolio Managers, Credit Administration, and other internal partners, this role helps protect the quality of the Bank’s assets while creating capacity for our teams to deepen relationships and pursue new business opportunities.

The Senior Portfolio Analyst is responsible for the ongoing financial analysis and monitoring of assigned commercial relationships, including annual loan reviews, renewals, covenant compliance, financial reporting requirements, risk ratings, and credit file quality. The position serves as an important connection point between relationship management and credit administration, helping identify emerging risks, resolve documentation needs, and ensure that changes in borrower performance are recognized and communicated in a timely manner.

Consistent with CalPrivate Bank’s commitment to Relationships, Solutions, and Trust, the Senior Portfolio Analyst approaches portfolio management with a strong sense of ownership, responsiveness, sound judgment, and collaboration. The role may interact directly with borrowers when appropriate and is expected to provide the same high level of professionalism and service that defines the CalPrivate client experience.

What You’ll Do 

Portfolio Management & Credit Analysis

• Perform financial analysis and underwriting of existing commercial relationships, evaluating historical and current financial performance, repayment capacity, cash flow, liquidity, leverage, collateral support, guarantor strength, and other relevant credit considerations.
• Complete renewals and Annual Loan Reviews (ALRs) for assigned relationships, including preparation of ALR memoranda for approval and appropriate file documentation.
• Analyze borrower financial information and supporting documentation to assess ongoing creditworthiness and identify material changes in financial condition or repayment capacity.
• Review credit reports, real estate evaluation data, property information, and other third-party information necessary to support ongoing credit analysis and portfolio management.
• Maintain a thorough understanding of assigned relationships, including loan structure, collateral, financial reporting requirements, covenants, and other conditions of approval.

Financial Monitoring, Covenants & Risk Management

• Proactively contact borrowers and Relationship Managers to obtain financial statements, tax returns, covenant reporting, borrowing base information, and other financial documentation required to satisfy loan covenants and annual review requirements.
• Follow up with borrowers and/or Relationship Managers to ensure required financial information and outstanding credit items are received within established timeframes.
• Monitor borrower compliance with loan covenants, financial reporting requirements, loan terms, and other conditions of credit approval.
• Monitor the overall credit quality of assigned relationships, including the appropriateness of risk ratings and the condition and completeness of credit files.
• Identify and promptly communicate financial deterioration, emerging risks, covenant violations, documentation deficiencies, or other credit concerns to Portfolio Management, Relationship Management, and Credit Administration.
• Recommend appropriate escalation or additional monitoring when borrower performance, collateral condition, or other factors indicate increased credit risk.
• Monitor nationwide property tax reports and research or escalate exceptions and outstanding items as appropriate.

Portfolio Reporting & Credit Administration

• Produce and maintain analytical and portfolio management reports generated through Icore, ensuring information is timely, accurate, and useful in identifying portfolio trends, exceptions, and areas requiring additional attention.
• Assist Credit Administration with preparation of monthly DLC reports, including criticized and classified loan reporting and non-performing loan reporting.
• Assist with preparation of SBA venture and other portfolio or credit administration reports as assigned.
• Provide backup support to the Credit Administrator to ensure continuity and timely completion of critical credit administration functions.
• Assist with portfolio-level monitoring, reporting, audits, examinations, and other credit administration activities as needed.
• Perform online banking verification and other account or loan-related verification activities as required.

SBA & Loan Servicing Support

• Support ongoing SBA portfolio administration and servicing requirements, including assistance with SBA-related reporting and documentation.
• Contact Certified Development Companies (CDCs) regarding SBA 504 debenture funding and related servicing matters.
• Complete monthly SBA 504 debenture payoff activities and maintain appropriate supporting documentation.
• Monitor the shared SBA email inbox and coordinate timely response, routing, and follow-up of requests.
• Contact borrowers and/or Business Development Officers (BDOs) regarding loan servicing requests and coordinate with appropriate internal partners to facilitate timely resolution.
• Assist with additional SBA and commercial loan servicing activities as assigned.

Credit File Management & Documentation

• Upload financial statements, credit documentation, correspondence, approvals, and other required records into the Bank’s scanned loan and credit files.
• Ensure credit files remain complete, accurate, organized, and appropriately documented in accordance with Bank policies and procedures.
• Maintain appropriate records of annual reviews, renewals, financial analysis, borrower correspondence, servicing activities, and approvals.
• Identify missing or outdated documentation and coordinate with Relationship Managers, borrowers, and other internal partners to resolve outstanding items.
• Support accurate and timely recordkeeping in preparation for internal reviews, audits, regulatory examinations, and other portfolio assessments.

Client, Relationship Manager & Cross-Functional Support

• Interface directly with borrowers and clients, as appropriate, to obtain financial information, resolve documentation needs, and facilitate loan servicing requests while maintaining a high standard of professionalism and client service.
• Develop strong working relationships with Relationship Managers, Portfolio Managers, Business Development Officers, Credit Administration, Loan Operations, SBA, and other internal partners.
• Serve as a resource to Relationship Managers by proactively identifying upcoming financial reporting requirements, annual reviews, renewals, and outstanding portfolio items.
• Communicate clearly and consistently regarding outstanding requirements, emerging credit concerns, and items requiring action or escalation.
• Balance strong credit discipline with the Bank’s commitment to providing a responsive, relationship-driven client experience.

Special Projects & Department Support

• Serve as project support for Credit Administration and Portfolio Management initiatives, including portfolio reviews, process improvements, reporting enhancements, audits, examinations, and other special projects.
• Assist with the development and improvement of portfolio monitoring and reporting processes designed to increase efficiency, accuracy, and visibility into portfolio performance.
• Provide backup and cross-functional support as necessary to ensure critical portfolio management and credit administration responsibilities are completed accurately and timely.
• Perform additional portfolio management, credit administration, analytical, and servicing responsibilities as assigned.

AML/CFT/Compliance Responsibilities

This position includes direct or indirect interaction with customers and other employees and therefore includes responsibilities relating to BSA/AML. The employee will have opportunity to examine and view information and documents produced by other employees of the Bank relating to BSA and therefore has the obligation to report suspicious activity to the BSA Officer as appropriate. The employee is responsible for understanding and following the Bank’s BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program.

Who You Are 

Experience & Expertise 

• 3+ years of progressive experience in commercial credit underwriting, preferably within a community, private or commercial banking environment.
• Completion of Moody’s (or equivalent) financial accounting course
• Strong financial analysis skills, including the ability to interpret complex financial statements, tax returns, cash flow projections, and global cash flow assessments. 
• In-depth knowledge of commercial lending practices, credit policy standards, regulatory requirements, and risk rating methodologies.
• Demonstrated ability to structure credit solutions that balance clients needs with risk mitigation, supported by clear, well-reasoned recommendations in written credit memoranda.
• Experience with diverse credit types, including C&I, commercial real estate, SBA, professional services and privately held business lending.
• Exceptional attention to detail and analytical accuracy, with the ability to identify key credit drivers, emerging risks and appropriate covenant structures. 
• Strong communication and partnership skills, with the ability to work effectively with Relationship Managers, Credit Administration, SBA teams, Loan Operations, and senior credit leadership.
• Proven ability to manage multiple priorities, handle a high-volume pipeline, and meet turnaround expectations without compromising quality.
• Proficiency in credit analysis software, financial spreading tools, loan origination systems, and Microsoft Office applications. 
• Bachelor’s degree in Business, Finance, or related field preferred.

Mindset & Values 

• You lead with accountability, integrity, and consistency.
• You thrive in a collaborative environment where transparency and follow-through matter.
• You model professionalism, calm under pressure, and have a solutions-oriented mindset.
• You embrace data-driven decision-making while maintaining a client-first perspective.
• You embody CalPrivate’s culture, heart for client, excellence in service, and deep commitment to the Bank and its people.

Physical Demands 

• Ability to sit or stand for extended periods of time. 
• Ability to physically use a keyboard/mouse 
• Ability to walk to and from workstations 
• Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds.
• Specific vision abilities required by this job include close vision and ability to adjust focus 

Why CalPrivate Bank? 

This isn’t just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don’t just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we’re building a team of people who reflect those values in everything they do. 

If you’re looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?