Portfolio Manager - San Francisco, CA

California Bank & Trust; San Francisco (CA); On-site; USD 78,000 - 114,000; Full time

Benefits offered by this job

Health insurance

Paid parental leave

Adoption assistance

Health Savings Account

Flexible Spending Account

Paid training

PTO & holidays

401(k) with company match

Profit sharing

Mental health benefits

Tuition reimbursement

Employee banking products

Job summary

California Bank & Trust is seeking a seasoned Portfolio Manager in San Francisco, CA to identify lending opportunities, manage a portfolio of commercial loans, and participate in setting loan objectives and policies. You will analyze financial statements, monitor collateral, and pricing while building strong client relationships.

The role emphasizes credit analysis, underwriting, and collaboration with bankers on new and existing loan requests.

Qualifications

• Bachelor's degree in Finance, Business or related field; 2+ years banking/credit experience or related.
• Knowledge of loans, credit analysis, financial spreading & analysis, risk assessment & credit scoring.
• Familiarity with banking products, policies, procedures and regulations.
• Solid underwriting, financial modeling and loan pricing skills.
• Strong customer service, relationship, organizational and communication abilities.
• Ability to meet deadlines and manage multiple tasks.

Responsibilities

• Manage and service a portfolio of existing loan relationships.
• Expand relationships to drive customer satisfaction and growth.
• Spread and analyze financial statements, monitor collateral, loan structuring and pricing, and conduct credit analysis.
• Prepare loan reports including past dues, documentation, collateral exceptions and portfolio performance.
• Monitor market trends affecting the portfolio and support loan requests and special projects.

Skills

Credit analysis

Financial modeling

Valuations

Analytical thinking

Customer service

Communication skills

Organizational skills

Problem-solving

Education

Bachelor's degree in Finance 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.

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 resulting in excellent 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, lending, 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.

Benefits:

• 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 $78,000 - $114,400 annually depending on job-related factors such as level of experience and location.