Client Solutions Manager

Columbia Bank; Eureka (CA); On-site; USD 81,000 - 147,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) savings plan

Paid vacation and sick days

Tuition assistance

Pet insurance

Job summary

Columbia Bank is seeking a Client Solutions Manager in Eureka, CA. This role involves credit/risk monitoring, managing client relationships, and developing commercial business solutions. Candidates should have a Bachelor’s degree in Finance or a related field, with 4-7 years of experience in commercial banking. The position offers a salary range of $81,000 to $147,000, plus comprehensive benefits including healthcare and retirement plans.

Qualifications

• 4-7 years of experience in commercial banking or as a Portfolio Manager.
• Ability to meet individual production and growth goals for loans and deposits.
• Knowledge of commercial bank products and services.

Responsibilities

• Responsible for monitoring credit/risk and managing Credit Review workflow.
• Identifying loan and deposit growth opportunities for clients.
• Collaborating with Commercial Bankers to manage client relationships.

Skills

Commercial underwriting knowledge

Credit monitoring skills

Portfolio management abilities

Relationship management skills

Analytical and problem-solving skills

Sales skills

Presentation skills

Education

Bachelor's Degree in Finance, Accounting, or Business

Tools

MS Excel

MS PowerPoint

MS Word

Job description

About The Role

Responsible for credit/risk monitoring; Credit Review (CR) workflow management & prioritization; and engagement with underwriting, Quality Assurance, and Quality Control partners. Leads (or co-leads) identification of opportunities to cross‑offer additional solutions that would benefit the client, increase penetration‑rates of products & services for the Bank. Leads (or co‑leads) partner collaboration & coordination for a holistic team approach. Assists Commercial Bankers with portfolio management, partner collaboration, and client‑engagement to develop and grow new and existing commercial business relationships. The Client Solutions Manager (CSM) is a second, primary touch‑point between Bank and Client. Responsible for identifying additional loan, deposit, and core fee income opportunities (products; services; solutions) for new and existing commercial clients to add/deepen value, drive additional revenue growth, establish/maintain complete banking relationships, and bolster client experience and satisfaction. Reports to Market Manager.

• Utilize existing financial/market information and Relationship Expansion Tool to identify additional products/services that would satisfy client needs and establish/deepen complete relationships. Make recommendations on loan structure & terms and refer these issues to the next appropriate level of authority. Analyse credit to determine the ability of customers to qualify for borrowing requirements. Use qualitative and quantitative information to uncover potential client needs and propose to deepen relationships accordingly.
• Partner with the Commercial Banker as the second, primary point of contact for the client. Attend meetings with clients focused on expanding mature relationships by assessing client needs. Act as a liaison to the Core Fee Income business partners, Credit Department, the Commercial support staff and other internal business partners. Ensure clients are approved for all ancillary products and services.
• Perform 30% of time on direct relationship expansion sales‑activities, consulting with Commercial Banker. Achieve individual annual production and growth goals (relationship expansion) for loans, deposits and core fees to ensure the bank meets its overall financial targets and balanced‑growth objectives. Achieve Portfolio Management goals by ensuring proper adherence to risk‑mitigation practices.
• Develop a comprehensive understanding of client’s needs and future needs based on the review and analysis of personal, business, financial, and market data gathered through relationship reviews, client engagement, market research, and partner collaboration. Participate in ongoing relationship reviews with all clients. Manage client’s additional credit requests, renewals and reviews.
• Manage and monitor commercial loan portfolio and commercial relationships by analysing financial data & information to determine the merits of specific loan requests. Be accountable for application and underwriting quality. Review documentation. Collaborate with Commercial Banker to make formal recommendations and presentations to Commercial Relationship Manager and Credit Administration.
• Ensure the loan portfolio is properly risk‑rated.
• Ensure portfolio administration and risk management of each client relationship comply with established credit policy, procedures and business strategy as well as commercial and regulatory guidelines. Manage CR workflow & prioritization; engage with underwriting, QA, QC, and CQA partners accordingly.
• Demonstrate compliance with all bank regulations for assigned job function and apply designated job responsibilities – knowledge may be gained through coursework and on‑the‑job training. Stay current on regulation changes.
• Follow all Bank policies and procedures, compliance regulations, and complete all required annual or job‑specific training.
• Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other applicable regulations.
• May be asked to coach, mentor, or train others and teach coursework as a subject matter expert.
• Actively learn, demonstrate, and foster the Columbia corporate culture in all actions and words.
• Takes personal initiative and is a positive example for others to emulate.
• Embrace our vision to become the "Business Bank of Choice."
• May perform other duties as assigned.

About You

Education

• Bachelor's Degree in Finance, Accounting, or Business (preferred)

Experience

• 4‑7 years of relevant commercial banking and/or prior experience as a Commercial Portfolio Manager and/or Commercial Underwriter. (Required)

Skills

• Proven knowledge of commercial underwriting, credit monitoring, and portfolio management.
• Possess strong underwriting, credit monitoring and portfolio management skills.
• Proven relationship management and business development abilities, analytical and problem‑solving skills, sales skills, and credit quality skills. Strong credit acumen including but not limited to loan structuring, concise underwriting, appropriate risk identification & mitigation, and ongoing risk & relationship management of a commercial portfolio.
• Advanced understanding of credit policy and procedures and can accurately determine risks of loans/credits; evaluate both cash‑flow and collateral‑based loans/credits.
• Knowledge of commercial bank products and services that results in successfully capitalizing on all opportunities to cross‑offer the bank’s solutions to the client’s benefit.
• Excellent verbal, written, interpersonal, and presentation skills.
• Ability to communicate effectively with small and large audiences; often includes presentations to customers at a high level (e.g., CFO, CEO, and other Executive levels).
• Ability to work effectively with individuals and groups across the company to manage customer relationships.
• Ability to partner with team and engage in client‑facing service and sales activity.
• Proficiency with personal computers and software packages, including MS Excel, Word, PowerPoint.

Travel Requirements

• Occasional

The pay range for this role is $81,000.00 to $147,000.00. The pay rate for the selected candidate is dependent upon a variety of non‑discriminatory factors including, but not limited to, job‑related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance‑based incentive compensation, and those details will be provided during the recruitment process.

Primary Location

Ability to work fully onsite at posted location(s). 701 Fifth Street 2nd Floor, Eureka, CA 95501

Our Benefits

We offer a competitive total rewards package including base wages and comprehensive benefits. Eligible associates receive comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k) retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment To Diversity

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: [e-mail].

To Staffing And Recruiting Agencies

Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.