Strategic Client Solutions Lead, Commercial Banking

Columbia Bank; Roseville (CA); On-site; USD 89,000 - 150,000; Full time

Benefits offered by this job

Healthcare benefits

401(k) match

Life Insurance

Disability Insurance

Tuition assistance

Mental health resources

Identity theft protection

Legal support

Pet insurance

Discount marketplace

Paid time off

Job summary

Columbia Bank is seeking a Commercial Portfolio Manager/Underwriter in Roseville, CA to monitor credit risk, manage CR workflows, and deepen client relationships with cross-sell opportunities. You will partner with Commercial Bankers, support portfolio management, and drive revenue through loans, deposits, and core fees.

The role emphasizes client engagement, risk assessment, and cross-functional collaboration across underwriting, QA, and QC, with annual earnings potential and onsite work at the

Qualifications

• Proven knowledge of commercial underwriting, credit monitoring, and portfolio management.
• Possess strong underwriting, credit monitoring and portfolio management skills.
• Proven relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit and credit quality skills.
• Advanced understanding of credit policy and procedures and can accurately determine risks of loans/credits; and evaluate both cash-flow and collateral-based loans/credits.
• Knowledge of commercial bank products and services that result in successfully capitalizing on all opportunities to cross-offer the bank’s solutions to the client’s benefit.
• Excellent verbal, written, interpersonal, and presentation skills.
• Ability to communicate effectively with small and large audiences; often includes presentations to customers at high level (i.e. CFO, CEO, and other Executive levels).
• Ability to work effectively with individuals and groups across the company to manage customer relationships.
• Ability to partner with team and engage in client-facing service and sales activity.
• Proficiency with personal computers and software packages, including MS Excel, Word, PowerPoint.

Responsibilities

• Utilize existing financial/market information and Relationship Expansion Tool to identify additional products/services that would satisfy client needs and establish/deepen complete relationships. Makes recommendations on loan structure & terms and refers these issues to the next appropriate level of authority.
• Anatwrs with the Commercial Banker as the second, primary point of contact for the client. Attends meetings with clients; focus on expanding mature relationships by assessing client needs.
• Perform 30% of time on direct relationship expansion/sales-activities, consulting with Commercial Banker. Achieves individual annual production and growth goals (relationship expansion) for loans, deposits and core fees to ensure the bank meets its overall financial targets and balanced growth objectives.
• Develop a comprehensive understanding of client’s needs and future needs based on the review and analysis of personal, business, financial, and market data gathered through relationship reviews, client engagement, market research, and partner collaboration.
• Manage and monitor commercial loan portfolio and commercial relationships by analyzing financial data & information to determine the merits of specific loan requests.
• Ensure the loan portfolio is properly risk rated.
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities.
• Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
• Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
• Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
• Takes personal initiative and is a positive example for others to emulate.
• Embraces our vision to become "Business Bank of Choice".
• May perform other duties as assigned.

Skills

Commercial underwriting

Credit monitoring

Portfolio management

Relationship management

Business development

Analytical skills

Problem solving

Credit policy knowledge

Communication skills

MS Excel

Education

Bachelor's Degree in finance/Accounting/Business

Tools

MS Excel

MS Word

PowerPoint

Job description

Columbia Bank is seeking a Commercial Portfolio Manager/Underwriter in Roseville, CA to monitor credit risk, manage CR workflows, and deepen client relationships with cross-sell opportunities. You will partner with Commercial Bankers, support portfolio management, and drive revenue through loans, deposits, and core fees.

The role emphasizes client engagement, risk assessment, and cross-functional collaboration across underwriting, QA, and QC, with annual earnings potential and onsite work at the