Job Description

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm, we are dedicated to serving the homeowner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.

POSITION SUMMARY

The Portfolio Manager will be responsible for the ongoing risk and credit oversight of an active construction loan portfolio of approximately 300 loans. This individual contributor role ensures the portfolio remains in compliance with loan covenants, supports accurate and timely reporting to leadership, conducts loan reviews and audits, and manages default and workout scenarios as needed. The Portfolio Manager plays a key role in protecting the company's credit quality and ensuring construction loans perform as underwritten.

ESSENTIAL FUNCTIONS

• Monitor an active portfolio of approximately 300 construction loans for covenant compliance, flagging and escalating exceptions as needed.
• Prepare and deliver regular portfolio performance and risk reporting to leadership.
• Conduct periodic loan reviews and internal audits to verify accuracy, documentation, and adherence to underwriting standards.
• Identify early warning signs of credit deterioration and manage default and workout situations, including coordination with internal stakeholders and, where applicable, borrowers.
• Maintain organized, audit-ready loan files and documentation throughout the life of each loan.
• Partner with underwriting, servicing, and credit risk teams to ensure consistent portfolio management practices.

QUALIFICATIONS

Education

High School Diploma or equivalent, required.

Experience

Minimum two year's experience.

Skills

Strong interpersonal and customer service skills.

Additional Qualifications

• Prior experience in construction lending, credit/risk analysis, or loan portfolio management required.
• Strong attention to detail and ability to manage a high-volume loan portfolio.
• Solid written and verbal communication skills for reporting to leadership and coordinating with internal teams.

Company Required Skills

• Excellent verbal and written communication skills required.
• Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment
• Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.
• Commitment to company values.
• Customer Service - Proactive attention to each person
• Integrity - Do and say what's right
• Respect - Treat others with dignity
• Collaboration - Listen and work together
• Learning - Seek knowledge and strive for improvement
• Excellence – Deliver the unexpected

Physical Demands

Work is primarily sedentary; mobility in an office setting.

Manual Dexterity

Ability to operate standard office equipment and keyboards.

Audio/Visual

Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.

Environmental

Office environment – moderate noise, no substantial exposure to adverse environmental conditions.

Travel

5% or less

Mental

Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.

Schedules

Work is primarily performed during the business week, Monday - Friday.

Authority Level

Job Scope: Assists in a variety of duties at the direction of more senior staff and contributes as a team member and resource to others in the unit.

Complexity: Problems are usually routine and similar to those encountered in the past.

Impact: Decisions and actions impact the effectiveness of own team and closely related teams.

Interaction/Supervision: Works under direct supervision; Generally, interacts with colleagues and the public on routine matters.

Statement

This document describes the general content and identifies essential functions and requirements for performing this position. It is not intended to be an exhaustive statement of duties, responsibilities, or requirements. Guild Mortgage complies with the ADA and considers reasonable accommodation measures that may be necessary for eligible applicants/employees to perform essential job functions. Employment with Guild Mortgage is “at-will,” meaning that either the Company or an employee may terminate the employment relationship at any time, with or without cause, advance notice or stated justification.

Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.

Guild Mortgage Company is an Equal Opportunity Employer.

Target Salary Range: $27.36 - $45.59

Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant’s geographical location.