Client Solutions Manager

Umpqua Bank; Irvine (CA); On-site; USD 94,000 - 170,000; Full time

Job summary

Join a leading regional bank that values trust, growth, and teamwork. In this dynamic role, you will be pivotal in managing commercial portfolios, ensuring client satisfaction, and driving revenue growth through relationship expansion. With a commitment to diversity and a comprehensive benefits package, this is an exciting opportunity for those passionate about banking and client engagement. Embrace the chance to make a significant impact in a supportive environment that fosters personal and professional growth while helping clients achieve their financial goals.

Benefits

Comprehensive Healthcare Coverage

401(k) with Employer Match

Tuition Assistance

Paid Vacation and Sick Days

Employee Assistance Program

Life and Disability Insurance

Mental Health Resources

Legal Support

Pet Insurance

Online Discount Marketplace

Qualifications

• 4-7 years of relevant experience in commercial banking or portfolio management.
• Strong skills in underwriting, credit monitoring, and relationship management.

Responsibilities

• Manage and monitor commercial loan portfolios and client relationships.
• Identify opportunities for loan, deposit, and core fee income growth.

Skills

Commercial Underwriting

Credit Monitoring

Portfolio Management

Relationship Management

Analytical Skills

Problem-Solving Skills

Sales Skills

Credit Quality Skills

Education

Bachelor’s Degree in Finance

Master of Business Administration

Tools

MS Excel

MS Word

MS PowerPoint

Job description

Umpqua Bank is headquartered in the Pacific Northwest with 5,000+ employees and offers banking services to customers throughout the nation. It’s an especially exciting time to join our team as, following the recent merger with Columbia Bank, we have grown to become a leading western-based regional bank with more than $50B in assets under management and an unwavering commitment to our associates, our customers, and our communities.

We create a great place to work by offering a special brand of relationship banking and by providing a culture where associates thrive. Associates who embody our core values fit in well here and we are eager to meet candidates who demonstrate behaviors that align with Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships.

About the Role:

Responsible for credit/risk monitoring; CR workflow management & prioritization; and engagement with underwriting, QA, and QC 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 holistic team approach. Target commercial portfolio size-range per CSM of $50-$200 million (may vary based on complexity and/or relationship count). Assists Bankers with portfolio management, partner collaboration, and client-engagement to develop and grow new and existing commercial business relationships. 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 to the client; drive additional revenue growth; establish/maintain complete banking relationships; bolster client experience and satisfaction. Reports to Market Director. Assist the portfolio management team in the management of trust accounts.

• Possess strong underwriting, credit monitoring and portfolio management skills. Utilize existing financial/market information and Relationship Expansion Tool, to identify additional products/services that would satisfy client needs and establish/deepen complete relationships. Makes recommendations on loan structure & terms and refers these issues to next appropriate level of authority. Analyzes credit to determine the ability of customers and prospective customers to qualify for borrowing requirements. Uses qualitative and quantitative information to uncover potential client needs and proposes to deepen relationships accordingly.
• Partner with the Banker as the second, primary point of a contact for the client. Attends meetings with clients; focus on expanding mature relationships by assessing client needs. Acts as a liaison to the Core Fee Income business partners, Credit Department, the Commercial support staff and other internal business partners. Ensures client is approved for all ancillary products and services.
• Perform 30% of time on direct relationship expansion sales-activities, consulting with Banker. Achieves 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. Achieves Portfolio Management goals by ensuring proper adherence to proper risk-mitigation practices. Responsible for the growth and profitability of the Asset Based Lending ("ABL") portfolio in Wholesale Banking.
• 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. Participates 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 analyzing financial data & information to determine the merits of specific loan requests. Accountable for application and underwriting quality. Involved in documentation review. Collaborate with Banker to make formal recommendations and presentations to Commercial Relationship Manager and Credit Administration.
• Ensure the loan portfolio is properly risk rated.
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines. Management of CR workflow & prioritization; engagement with underwriting, QA, QC, and CQA partners accordingly.
• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
• Follows all Bank policies and procedures, compliance regulations, and completes 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 regulations as applicable to this job description.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
• Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.
• Takes personal initiative and is a positive example for others to emulate.
• Embraces our vision to become "The World's Greatest Bank."
• May perform other duties as assigned.

About You:

• Bachelor’s Degree: Bachelor’s degree or Master of Business Administration in finance or a related discipline (Preferred)
• 4-7 years of relevant commercial banking and/or prior experience as a Portfolio Manager and/or Commercial Underwriter. (Required)
• Proven knowledge of commercial underwriting, credit monitoring, and portfolio management.
• Proven relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit 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; and evaluate both cash-flow and collateral-based loans/credits.
• Knowledge of commercial bank products and services that result 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 work effectively with individuals and groups across the company to manage customer relationships. Ability to partner with team. Ability to engage in client-facing service and sales activity.
• Proficiency with personal computers and software packages, including MS Excel, Word, PowerPoint.

Travel Type: Occasional

Workstyle: Fully onsite

We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $94,000.00 - $170,000.00 and 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.

We offer eligible associates 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:

Umpqua 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 Umpqua Bank. Umpqua Bank does not accept unsolicited resumes or applications from agencies and Umpqua Bank 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 Umpqua Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.