Portfolio Manager II

Bank of Marin; Napa (CA); On-site; USD 105,000 - 147,000; Full time

Job summary

Bank of Marin is seeking a Portfolio Manager II to join our Commercial Banking team in Napa, CA. You will manage the underwriting, maintenance, and risk management of a portfolio of commercial credits, partnering with Relationship Managers to support client relationships and guiding loan processes from application to closing.

You will analyze borrower financials, structure credit solutions, and monitor credit quality, while collaborating with Credit Analysts and Credit Administration.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or related field.
• Minimum 3-5 years of commercial banking, credit analysis, underwriting, or portfolio management experience.
• Strong knowledge of financial statement analysis, commercial credit underwriting, and loan portfolio management.
• Excellent analytical, organizational, communication, and problem-solving skills.
• Experience with commercial loan documentation, credit administration, and relationship support is preferred.

Responsibilities

• Manage commercial loans from application through underwriting, approval, documentation, and closing.
• Analyze borrower financial information and assist in structuring credit solutions.
• Partner with Relationship Managers, Credit Analysts, and Credit Administration to support new and existing client relationships.
• Monitor assigned loan portfolios for credit quality, covenant compliance, maturities, renewals, and exceptions.
• Prepare loan proposals, renewal requests, and related credit documentation.
• Process loan advances and draw requests in accordance with approved loan terms.
• Respond to client inquiries and provide timely, professional service.
• Identify opportunities to deepen client relationships through additional banking products and services.
• Assist with training and development of Credit Analysts as needed.

Skills

credit analysis

underwriting

portfolio management

financial statement analysis

analytical skills

communication

problem solving

Education

Bachelor's degree in Business, Finance, Accounting, or related field

Job description

Bank of Marin, voted by our employees as one of the “Best Places to Work” in the North Bay Business Journal, is seeking a Portfolio Manager II to join our Commercial Banking team.

The Portfolio Manager II is responsible for managing the underwriting, maintenance, and risk management of an assigned portfolio of commercial credits. This position partners closely with Relationship Managers to support both new and existing client relationships while independently managing the loan process from application through closing. The Portfolio Manager II works on moderate to complex commercial lending relationships and is expected to exercise sound credit judgment while delivering exceptional client service and helping identify opportunities to deepen banking relationships.

• Manage commercial loans from application through underwriting, approval, documentation, and closing.
• Analyze borrower financial information and assist in structuring credit solutions.
• Partner with Relationship Managers, Credit Analysts, and Credit Administration to support new and existing client relationships.
• Monitor assigned loan portfolios for credit quality, covenant compliance, maturities, renewals, and exceptions.
• Prepare loan proposals, renewal requests, and related credit documentation.
• Process loan advances and draw requests in accordance with approved loan terms.
• Respond to client inquiries and provide timely, professional service.
• Identify opportunities to deepen client relationships through additional banking products and services.
• Assist with training and development of Credit Analysts as needed.

Professional / Educational Experience:

Bachelor's degree (B.A.) in Business, Finance, Accounting, or a related field, or equivalent combination of education and experience.

Minimum 3 - 5 years of commercial banking, credit analysis, underwriting, or portfolio management experience.

Strong knowledge of financial statement analysis, commercial credit underwriting, and loan portfolio management required. Candidates should possess excellent analytical, organizational, communication, and problem-solving skills, along with the ability to work independently while managing multiple priorities. Experience working with commercial loan documentation, credit administration, and relationship support activities preferred.

The hiring pay range for this position is $104,723 - $146,615.In addition to the pay range listed, all bank positions are eligible for incentive compensation, which varies based on role. The pay rate for a successful applicant depends on a variety of factors including but not limited to geographic location, work experience, education, and/or skill level.

The Bank of Marin is a growing public company with career advancement opportunities. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, a retirement savings plan with employer matching opportunity, bank-paid Employee Stock Ownership Plan, tuition reimbursement, employee volunteer program and more. Additional details about total compensation and benefits will be provided during the hiring process.

Bank of Marin is an equal opportunity employer. EOE AA Vet/Disability.