VP/FVP, Portfolio Management - CRESL

Location: HQ - San Diego, CA, United States

Salary: $120,000-$150,000 per year, plus discretionary bonus targets of 25%-50% depending on experience and level.

Company

hirify.global is a publicly traded, digital-first bank providing technology-driven financial tools and services to individuals, small businesses, and companies.

What you will do

• Serve as the primary post-closing credit contact for large, complex construction and structured finance facilities.
• Evaluate and manage modifications, amendments, waivers, extensions, consents, maturities, and refinancing strategies.
• Negotiate credit terms with borrowers, sponsors, and counsel within delegated authority.
• Coordinate with Legal and outside counsel on complex transaction documentation.
• Oversee construction draws, covenant monitoring, annual reviews, risk ratings, inspections, appraisals, and portfolio activities.
• Partner with Credit, Production, Portfolio Management, and Special Assets teams while supporting policies, regulatory requirements, process improvements, and staff mentoring.

Requirements

• Bachelor’s degree in Finance, Accounting, Business, Real Estate, or a related field.
• 7+ years of commercial real estate credit, underwriting, portfolio management, or credit administration experience.
• Significant experience with construction lending and complex structured real estate transactions.
• Strong knowledge of CRE credit analysis, loan structures, modifications, amendments, extensions, covenants, and risk ratings.
• Experience negotiating complex credit terms and working with borrowers, sponsors, internal Legal, and outside counsel.
• Ability to identify and manage emerging credit, construction, collateral, and maturity risks.
• Strong understanding of loan documentation, credit policies, regulatory requirements, and portfolio administration.
• Ability to independently manage complex transactions and partner with senior Credit, Production, and Portfolio Management stakeholders.
• Strong communication, negotiation, analytical, and decision-making skills.

Nice to have

• Lender finance or note-on-note transaction experience.
• Experience mentoring or providing senior-level guidance to credit and portfolio management professionals.

Culture & Benefits

• Full-time employment with medical, dental, vision, and life insurance options.
• Paid sick leave, three weeks of vacation, and approximately 11 holidays per year.
• HSA or FSA accounts and other voluntary benefits.
• 401(k) retirement savings plan with employer match and a 529 savings plan.
• Employee mortgage loan program and free access to an hirify.global account with self-directed trading.
• Employment is conditional on passing a credit check, criminal background check, and pre-employment drug screening, including marijuana screening; U.S. work eligibility is verified through E-Verify.