Portfolio Manager - San Francisco, CA

California Bank & Trust; San Francisco (CA); On-site; USD 80,000 - 115,000; Full time

Job summary

California Bank & Trust in San Francisco, CA, seeks a seasoned Portfolio Manager specializing in commercial lending to identify opportunities and develop loan objectives. You will manage a portfolio, expand client relationships, and ensure thorough credit analysis, risk assessment, and pricing consistent with bank policies.

The role offers competitive salary and benefits. Position open until filled; background checks will apply per FDIC regulations.

Qualifications

• Bachelor's degree in Finance or related field and 2+ years banking or credit experience.
• Knowledge of loans, credit analysis, financial statement analysis, risk assessment.
• Solid communication and customer service skills; ability to meet deadlines.

Responsibilities

• Manage and service a portfolio of existing loan relationships.
• Expand relationships with high customer satisfaction.
• Spread and analyze financial statements; monitor collateral and loan pricing.
• Prepare loan presentations and monitor portfolio performance.
• Report on loans: past dues, documentation, collateral, profitability.
• Stay informed on financial and market trends affecting the portfolio.
• Assist bankers with new and existing loan requests and special projects.

Skills

Relationship management

Credit analysis

Financial modeling

Analytical skills

Communication skills

Education

Bachelor's degree in Finance/Business

Tools

Microsoft Word

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.

We are looking for a seasoned Portfolio Managerin San Francisco, CA. This role focuses on identifying appropriate lending opportunities, soliciting, and developing all types of business activity, specializing in commercial loans and participates in the development of overall commercial loan objectives, policies and practices.

Essential Functions:

• 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.
• 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 2+ years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.
• 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.
• Solid credit skills in underwriting, financial modeling, valuations, and adherence to policy.
• Requires solid customer service, relationship, organizational, analytical, and creative problem-solving skills.
• Ability to meet deadlines.
• Must have solid 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
• 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
• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $80,000 - $115,000 annually depending on job-related factors such as level of experience and location.

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.

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