Commercial Portfolio Manager

First Citizens Bank; Pasadena (CA); On-site; USD 140,000 - 185,000; Full time

Benefits offered by this job

Competitive benefits

Bonus potential

Job summary

First Citizens Bank in Pasadena, CA seeks an experienced commercial banking professional to manage, service, and grow a mature portfolio of business loans. The role emphasizes client relationships, credit analysis, and underwriting.

You will monitor documentation, support line renewals, and seek opportunities to provide banking solutions. A strong track record in relationship-based sales and portfolio servicing is essential.

Qualifications

• Bachelor's Degree plus 8 years' credit analysis/underwriting experience, or a high school diploma with 12 years' experience in credit analysis and underwriting.
• Experience in credit analysis, underwriting, and servicing commercial loans.
• Formal credit training is preferred.

Responsibilities

• Portfolio management including documentation, accuracy of credit grading, and processing line renewals and new requests.
• Maintains ongoing client contact with commercial loan clients and monitors satisfaction.
• Engages in relationship-based sales to identify banking needs and provide solutions.
• Monitors loan payments and works with delinquent clients to collect payments.

Skills

Credit analysis

Underwriting

Portfolio management

Client service

Education

Bachelor's Degree

High School Diploma or GED

Formal Credit Training

Job description

Overview

This position is responsible for managing, servicing, and developing commercial or business banking relationships in an assigned area. Supports the ongoing financial and credit quality assessment needs of a mature portfolio through prescribed servicing and sales processes. Identifies client needs and recommends a product or service solution, making referrals to banking partners as appropriate. Builds strong relationships with clients in accordance with the Bank's core values, providing value for the client while maximizing sales revenue.

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Responsibilities & Qualifications

Duties & Responsibilities:

Portfolio Management - Monitors portfolio for completeness of documentation, accuracy of credit grading, and potential exposures. Processes line renewals and new requests as per loan approval servicing requirements. Performs other tasks related to the servicing and management of assigned portfolio.

Client Service - Maintains ongoing communication and contact with assigned commercial and business loan clients. Fortifies relationships and monitors client satisfaction. Conducts a needs assessment session at least once a year to identify additional banking or financial needs.

Sales - Sells Bank loans and deposits through a variety of sales techniques. Focuses on relationship-bases sales, consulting closely with clients to determine and meet their financial needs. Generates referrals from existing clients and business networks.

Collections - Monitors loans for payment status. Works with delinquent clients to collect past due payments.

Position Specific Skills:

Skilled in credit analysis, underwriting, and servicing business and commercial loans

Qualifications:

Minimum Required Education and Experience: Bachelor's Degree and 8 years' experience OR High School Diploma or GED/Equivalent and 12 years' experience in Credit Analysis and Credit Underwriting

Preferred Area of Experience: Formal Credit Training

Additional Information

The base pay for this position is generally between $140,000 and $185,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.