Portfolio Processor - East Harbor Financial

About East Harbor Financial

East Harbor Financial is a private credit firm specializing in secured, asset-backed financing across commercial trucks, equipment, construction machinery, real estate, and vessels. We provide flexible capital to businesses backed by hard assets, and we're growing fast. Our team is lean, our decisions are quick, and every person here has direct impact on the portfolio. We're building out our operations team to support an expanding book of business, and this role is foundational to that growth.

About the Role

The Portfolio Processor manages the operational backbone of our lending activity — from loan boarding and document management through payment tracking and file maintenance. You'll work closely with underwriting, closing, and leadership to ensure every deal is accurately documented, every file is audit-ready, and every payment is accounted for. This is a high-volume, detail-intensive role with real visibility into how a private credit portfolio operates from the inside.

What You'll Do

Loan Operations & File Management

• Board new loans into internal systems, ensuring accuracy across terms, collateral, borrower data, and payment schedules
• Build and maintain complete loan files including promissory notes, security agreements, titles, insurance certificates, and UCC filings
• Track document checklists from origination through closing and flag outstanding items
• Coordinate with attorneys, title companies, insurance agents, and DMVs to collect and verify required documentation

Payment Processing & Portfolio Tracking

• Process and reconcile incoming loan payments, payoffs, and advances
• Monitor payment status across the portfolio and flag delinquencies or exceptions for review
• Maintain accurate records of amortization schedules, escrow accounts, and fee assessments
• Generate routine portfolio reports including aging, payment history, and collateral summaries

Compliance & Administrative Support

• Ensure all loan files meet internal documentation standards and are audit-ready at all times
• Track UCC filing expirations, insurance renewals, and registration deadlines across the portfolio
• Support lien perfection processes including title transfers, UCC amendments, and continuation filings
• Assist with annual reviews, covenant tracking, and portfolio surveillance as needed

What We're Looking For

Required

• 1–3 years of experience in loan operations, loan servicing, commercial banking operations, or a similar file-heavy financial role
• Strong attention to detail and ability to manage high volumes of documentation accurately
• Working knowledge of loan documents (promissory notes, security agreements, UCC filings, title work)
• Proficiency in Excel and comfort working in loan management or CRM systems
• Organized, self-directed, and able to manage multiple priorities under deadlines

Preferred but Not Required

• Experience with commercial truck, equipment, or fleet financing documentation
• Familiarity with state DMV title processes, vessel documentation, or real estate closing packages
• Background in SBA loan servicing, CDFI operations, equipment leasing, or insurance tracking
• Associate's or bachelor's degree in business, finance, or related field

Compensation & Benefits

• Base salary: $60,000–$80,000 depending on experience
• Paid time off
• Health benefits
• Tuition reimbursement
• Room to grow — this role is designed to evolve into a senior operations or portfolio management position as the team scales

Why East Harbor

You won't be a number here. You'll learn every asset class we finance, work directly with senior leadership, and help build the operational infrastructure of a firm that's scaling. If you want a front-row seat to how private credit actually works - this is the role.