Client Solutions Manager

Columbia Bank; Roseville (CA); On-site; USD 89,000 - 150,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) retirement plan

Life insurance

Job summary

Columbia Bank seeks a Commercial Credit/Relationship Manager to monitor risk, manage credit reviews, and collaborate with underwriting, QA, and cross-functional partners. You will identify opportunities to deepen client relationships and expand product usage across portfolios.

With 4–7 years in commercial banking, you will partner with Commercial Bankers to grow loans, deposits, and core fees while ensuring adherence to risk policies and regulatory guidelines.

Qualifications

• Bachelor’s degree in finance, accounting, or business is required.
• 4–7 years of relevant commercial banking and/or prior experience as a Commercial Portfolio Manager and/or Commercial Underwriter.

Responsibilities

• Monitor credit risk and CR workflow; ensure proper risk ratings.
• Assist Commercial Bankers with portfolio management and client engagement.
• Identify cross-sell opportunities to deepen client relationships and revenue.
• Collaborate with Credit Administration, QA/QC, and other partners for underwriting quality.
• Lead or co-lead relationship expansion efforts and meet growth goals.

Skills

Commercial underwriting

Credit monitoring

Portfolio management

Relationship management

Business development

Analytical/problem-solving

Sales skills

Credit quality

Loan structuring

Risk identification & mitigation

Effective communication

Presentations

Education

Bachelor’s degree in finance, accounting, or business

Tools

MS Excel

MS Word

PowerPoint

Job description

About the Role

Responsible for credit/risk monitoring;Credit Review (CR)workflow management & prioritization; and engagement with underwriting, QualityAssurance, and QualityControlpartners.Leads (or co-leads) identification of opportunities to cross-offeradditionalsolutions that wouldbenefitthe client, increasepenetration-ratesof products & services for the Bank. Leads (or co-leads) partner collaboration & coordination forholisticteam approach.AssistsCommercialBankers with portfolio management, partner collaboration, andclient-engagementto develop and grow new and existing commercial business relationships.The Client Solutions Manager(CSM)is a second, primarytouchpointbetween Bank and Client.Responsible foridentifyingadditionalloan, deposit, and core fee income opportunities (products; services; solutions) for new and existing commercial clients to add/deepen value to the client; driveadditionalrevenue growth;establish/maintain complete banking relationships; bolster client experience and satisfaction.ReportstoMarketManager.

• Utilize existing financial/market information and Relationship Expansion Tool, toidentifyadditionalproducts/services that would satisfy client needs andestablish/deepencomplete relationships.Makes recommendations on loan structure & terms andrefersthese issues tothenextappropriate levelof authority. Analyzes credit todeterminethe ability of customers and prospective customers to qualify for borrowing requirements.Usesqualitative and quantitative information to undercover potential client needs andproposesto deepenrelationships accordingly.


• Partner with theCommercialBanker as the second, primary point of contact for the client.Attendsmeetings 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 supportstaffand other internal business partners.Ensuresclient isapproved for all ancillary products and services.


• Perform 30% oftimeon direct relationship expansionsales-activities, consulting withCommercialBanker. Achieves individual annual production and growth goals (relationship expansion) for loans,depositsand core fees to ensure the bank meets its overall financial targets andbalanced-growthobjectives. Achieves Portfolio Management goals by ensuring proper adherence to proper 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. Participates in ongoing relationship reviews with all clients. Manage client’sadditionalcredit requests,renewalsand reviews.


• Manage andmonitorcommercial loan portfolio and commercial relationships by analyzing financial data& informationtodeterminethe merits of specific loan requests. Accountable for application and underwriting quality. Involved in documentation review. Collaborate withCommercialBanker 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 relationshipis in compliance withestablished credit policy,procedureand 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 Columbia corporate culture in all actions and words.


• Takes personal initiative and is a positive example for others to emulate.


• Embraces our vision to become Business Bank of Choice


• May perform other duties as assigned.

About You

Education
Experience

• Bachelor’sDegree: Bachelor’s degree in finance, Accounting, or Business(Required)


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

Skills

• Proven knowledge of commercial underwriting, credit monitoring, and portfolio management.


• Possess strong underwriting, creditmonitoringand portfolio management skills.


• 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 limitedto:loan structuring, concise underwriting,appropriate riskidentification & mitigation, and ongoing risk & relationship management of a commercial portfolio.


• Advanced understanding of credit policy and procedures and can accuratelydeterminerisks of loans/credits; and evaluate both cash-flow and collateral-based loans/credits.


• Knowledge of commercial bank products and services thatresultsin 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 largeaudiences;often includes presentations to customers ata high level(i.e.CFO, CEO, and other Executive levels).


• Ability to work effectively with individuals and groups across the company to manage customer relationships.


• Ability to partner withteamandengage in client-facing service and sales activity.


• Proficiencywith personal computers and software packages, including MS Excel, Word, PowerPoint.

Travel Requirements

• Occasional

The pay range for this role is $89,000.00 to $150,000.00.

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).

2998 Douglas Blvd Suite 145 Roseville CA 95661

Our Benefits

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

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

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 Columbia 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 Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.