Portfolio Manager II

Tri Counties Bank; Roseville (CA); On-site; USD 93,000 - 115,000; Full time

Job summary

Tri Counties Bank in Roseville, CA seeks a Commercial Lending professional responsible for growing and retaining a complex portfolio of business clients. The role partners with the Commercial Banking Regional Manager to deepen relationships through cross-selling and proactive contacts.

The position requires a bachelor’s in accounting/finance/business, five years’ financial industry experience, and strong credit analysis skills.

Qualifications

• High school diploma required; bachelor’s degree in accounting, finance or business administration recommended.
• 5 years of related experience required within financial industry.
• Financial analysis experience and credit training, required.
• Strong business acumen and ability to fully analyze and underwrite all types of loans.
• Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.
• Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy.
• Effective presentation skills to C-Suite executives and organizations.
• Experience with financial analysis programs and discounted cash flow models.

Responsibilities

• Serve as primary contact for assigned complex Commercial or Business relationships across the Banks’ footprint, to proactively retain and expand through regular contact.
• Provide preliminary analysis and information for annual reviews, renewals, and new relationships brought into the Bank.
• Monitor and assist with the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management.
• Maintain a loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
• Recommend and model appropriate loan structure for expanding relationships.
• Ensure all documentation necessary for completion of loan package is acquired.
• Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.
• Conduct quarterly, semi-annual or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.
• Participate in research, preparation and understanding customer relationship and changes in the industry.
• Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture.
• Identify referral opportunities and introduce other business lines.
• Review of credit risk rating and borrower/guarantor analysis.
• Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations.
• Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws.

Skills

Financial analysis

Credit underwriting

Communication

Presentation to executives

DSCR analysis

Education

Bachelor’s degree in accounting, finance or business administration

High school diploma

Job description

Job Category: Production / Commercial Lending

Requisition Number: PORTF007671

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• Posted : August 17, 2026
• Full-Time
• On-site

Locations

Showing 1 location

Come join a company you can be proud to represent.

The hiring range for this opportunity is $93,000 to $115,000 annual salary along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

POSITION SUMMARY

Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen and retain portfolio relationships. Through the cross-selling of the Bank’s products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitating of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA.

MAJOR RESPONSIBILITIES:

• Serve as primary contact for assigned complex Commercial or Business relationships across the Banks’ footprint, to proactively retain and expand through regular contact.

• Provide preliminary analysis and information for annual reviews, renewals, and new relationships brought into the Bank.

• Monitor and assist with the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management.

• Maintain a loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.

• Recommend and model appropriate loan structure for expanding relationships.

• Ensure all documentation necessary for completion of loan package is acquired.

• Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.

• Conduct quarterly, semi-annual or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.

• Participate in research, preparation and understanding customer relationship and changes in the industry.

• Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture.

• Identify referral opportunities and introduce other business lines.

OTHER RESPONSIBILITIES:

• Review of credit risk rating and borrower/guarantor analysis.

• Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations.

• Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.

EDUCATION, EXPERIENCE AND SKILLS:

• High school diploma required; bachelor’s degree in accounting, finance or business administration, recommended.

• 5 years of related experience required within financial industry.

• Financial analysis experience and credit training, required.

• Strong business acumen and ability to fully analyze and underwrite all types of loans.

• Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.

• Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy.

• Effective presentation skills to C-Suite executives and organizations.

• Experience with financial analysis programs and discounted cash flow models.

• Good interpersonal skills, team oriented, and strong customer service skills.

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California with corporate offices in Roseville, South San Francisco, and Bakersfield, with assets of nearly $10 billion and 50 years of financial stability.

Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide.

AsCalifornia's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members.

Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.