Commercial Lending Portfolio Manager - Fresno, CA

California-Bank-; Fresno (CA); On-site; USD 103,000 - 138,000; Full time

Benefits offered by this job

Medical Insurance

Dental and Vision

Life and Disability Insurance

Paid Time Off & Holidays

401(k) with match

Tuition Reimbursement

HSA/FSA options

Parental Leave

Job summary

California Bank & Trust, a division of Zions Bancorporation, is seeking a Commercial Portfolio Manager to underwrite and manage CRE and C&I relationships in the Central Valley. You will lead financial statement spreading, credit memo prep, risk monitoring, and loan structure/pricing optimization for complex requests.

Ideal candidates have strong credit acumen, enjoy analyzing financials, and will contribute to a collaborative deal table. Open until filled with competitive compensation.

Qualifications

• Bachelor's degree in Finance, Business or related field.
• 4+ years of banking, relationship management, underwriting and credit experience.
• Knowledge of loans, credit analysis and financial statement analysis.
• Strong customer service, relationship and analytical skills.
• Ability to meet deadlines and communicate effectively.

Responsibilities

• Underwrite new C&I and CRE credit requests.
• Manage and service a portfolio of loan relationships.
• Expand and build relationships with high customer satisfaction.
• Spread and analyze financial statements, assess risk, structure/price loans.
• Monitor portfolio performance and assist with loan presentations.
• Support other duties and special projects as needed.

Skills

Credit underwriting

Financial analysis

Credit modeling

Communication skills

Attention to deadlines

Education

Bachelor's degree in Finance, Business or related field

Tools

Word processing

Spreadsheets

Job description

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

Commercial Portfolio Manager

In this role, you will partner directly with Commercial Relationship Managers to underwrite and manage a high-quality portfolio of Commercial Real Estate (CRE) and Commercial & Industrial (C&I) relationships across the Central Valley. You will lead financial statement spreading, credit memo preparation, risk monitoring, and structure/pricing optimization on complex commercial borrowing requests.

If you bring strong credit acumen, love digging into financials, and want a collaborative seat at the deal table, we want to hear from you.

Essential Functions:

• Responsible for providing analysis and underwriting for new C&I and CRE credit requests.
• Responsible for managing and servicing a portfolio of existing loan relationships.
• Responsible for expanding and building relationships with a high degree of resultant customer satisfaction as an extension of the relationship management team.
• Responsible for ensuring financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.
• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
• Assists bankers with new and existing loan requests and other special projects.
• Other duties as assigned.

Qualifications:

• Requires a bachelor's degree in Finance, Business or other related field and 4+ years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.
• Working knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.
• Knowledge of banking products, services, policies, procedures and regulations.
• Strong credit skills in underwriting, financial modeling, valuations and adherence to policy.
• Requires strong customer service, relationship, organizational, analytical and creative problem solving skills.
• Ability to meet deadlines.
• Must have strong communications skills, both verbal and written.
• Knowledge of various software applications including word processing and spreadsheets.
• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA)and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $103,000 - $138,000 depending on job-related factors such as level of experience.

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

California Bank and Trust a division of Zions Bancorporation, N.A. Member FDIC