Senior Portfolio Manager

Who We Are:
We are on a mission to provide innovative working capital solutions to small and medium-size businesses throughout the United States, Canada, and the United Kingdom. A steady cash flow can change the course of a business and help a company define its future, promote growth, and impact the bottom line! As a leading provider of innovative funding solutions for small to medium sized businesses, we are one of the fastest growing companies in the industry. Through our Commercial Finance, Freight Factoring and ABL divisions, eCapital offers capital solutions to 80+ industries. We truly love to help our clients grow, and this is a position where you can grow too!

Summary:
The Senior Portfolio Manager oversees a portfolio of client accounts by managing daily funding activity, monitoring risk and collateral performance, and ensuring all accounts operate within approved terms and company policies.
This role drives proactive portfolio management by identifying emerging risks and opportunities, supporting recovery efforts, and partnering closely with collateral and support teams to maintain strong overall performance.
Through disciplined oversight and effective client engagement, the Senior Portfolio Manager safeguards asset quality, enhances client experience, and contributes to the organization’s financial and operational objectives. 

Responsibilities:

• Makes daily funding decisions.  Reviews daily transactions for accuracy and takes immediate action on any potential risk issues.  

• Performs daily review of client funding position to ensure facilities are operating within formula and performing in line with expectations.  Supports over-advance requests when acceptable risk and within authority levels.  

• Monitor collateral reporting, borrowing base compliance, and client performance trends. 

• Evaluate and mitigate credit, operational, and collateral‑related risks across the portfolio. 

• Ensure all accounts operate within approved credit terms, policies, and risk frameworks. 

• Identify early‑warning indicators and take proactive action to protect asset quality. 

• Engage regularly with clients to discuss performance, resolve issues, and uncover opportunities. 

• Partner with Senior Management and Credit teams to support workouts, restructures, and remediation efforts. 

• Guide and support collateral and operations staff to maintain strong service quality and control standards. 

• Prepare and present portfolio reporting, risk assessments, and recommendations to leadership. 

• Drive continuous improvement by identifying process gaps, efficiency opportunities, and best practices. 

• Manages and monitors large AR concentration exposures and inventory mix.  

• Proactively monitors statistical trends and financial performance of clients taking appropriate action if needed.  

• Completes facility and portfolio reviews in a timely manner, based on the required frequency per policy.  

• Maintains proper, accurate Client Risk ratings in eCapital systems.  

• Ensures all chargeable fees are processed when required.  

• Works closely to ensure a smooth transition on all newly assigned accounts.  Ensures all client terms are set up correctly.  

• Undertakes client visits if required.  

• Assists in field exams if required.     

• Other duties assigned by direct, department, or division leadership.   

Qualifications:

• Bachelor’s degree, or an equivalent combination of education and relevant professional experience.   

• 5–7+ years of experience in portfolio management, asset‑based lending, commercial finance, or credit risk. 

• Strong understanding of collateral structures, borrowing base methodologies, and funding operations. 

• Proven ability to analyze financial statements, monitor risk indicators, and make data‑driven decisions. 

• Demonstrated experience engaging directly with clients to manage performance, resolve issues, and influence outcomes. 

• Strong organizational and time‑management skills with the ability to handle competing priorities. 

• Excellent communication skills, including the ability to present complex information to senior leadership. 

• High proficiency with financial analysis tools, portfolio systems, and Microsoft Office (Excel, PowerPoint, etc.). 

• Ability to collaborate effectively across credit, collateral, recoveries, and operations teams. 

• Sound judgment, attention to detail, and commitment to maintaining risk and policy compliance. 

We Bring:

• Salary: $120,000 - $150,000
• Annual Bonus
• PTO
• Health, Dental, and Life Benefits
• RRSP Matching
• Abundant professional development opportunities at a growing and thriving alternative Finance company!

eCapital Culture:
At eCapital, we're not just a funding provider—we're a strategic partner built for what's next. Our culture is defined by innovation, scalability, and personalized service. We value:

• Agility : We adapt quickly to changing market conditions and customer needs.
• Relationships : We put our clients' needs at the center of everything we do, and we believe the best results come from diverse teams working together.
• Accountability : We hold ourselves to the highest standards in all aspects of our work.
• Innovation : We constantly push boundaries to create better solutions for our clients.

You’ll work in a dynamic environment where your contributions will support eCapital’s growth and the small and medium-sized businesses we serve. Join us in improving how businesses access and manage capital.

eCapital values diverse experiences and backgrounds. We encourage all qualified candidates to apply, regardless of race, color, religion, gender, sexual orientation, national origin, genetics, disability, age, or veteran status.

AI Statement
eCapital uses AI-enabled tools within our applicant tracking system to support resume screening by comparing qualifications to job requirements. Final hiring decisions and resume reviews are always conducted by our recruiters.

Vacancy Type: Replacement Role