Client Solutions Manager

Columbia Bank • Roseville, CA

1d • Onsite

About The Position

The Client Solutions Manager (CSM) is a primary client touchpoint and partners with Commercial Bankers to manage portfolios, expand client relationships, and develop new and existing commercial business. The role identifies additional loan, deposit, and core fee income opportunities that benefit clients, deepen banking relationships, support revenue growth, and improve client experience and satisfaction. The CSM uses financial and market information, relationship reviews, client engagement, and partner collaboration to understand current and future client needs and recommend appropriate products, services, and solutions. The position reports to the Market Manager.

The CSM manages credit requests, renewals, reviews, credit-risk monitoring, and Credit Review workflow prioritization. The role analyzes financial information and loan requests, makes recommendations on loan structure and terms, supports underwriting and documentation review, and ensures appropriate risk ratings and adherence to credit policy, procedures, business strategy, and regulatory guidelines. The position collaborates with underwriting, Quality Assurance, Quality Control, Credit Administration, Commercial Bankers, and other internal partners. It is accountable for application and underwriting quality and for portfolio administration and risk management.

The role spends 30% of its time on direct relationship-expansion sales activities in consultation with the Commercial Banker and is accountable for individual annual production and growth goals for loans, deposits, and core fees. It also supports regulatory compliance, completes required training, maintains knowledge of applicable bank policies and regulations, and may coach, mentor, or train others. The position is fully onsite at 2998 Douglas Blvd, Suite 145, Roseville, CA 95661. Occasional travel is required. The listed pay range is $89,000 to $150,000, with potential performance-based incentive compensation.

Requirements

• Bachelor’s degree in finance, accounting, or business.
• 4–7 years of relevant commercial banking experience and/or prior experience as a Commercial Portfolio Manager or Commercial Underwriter.
• Proven knowledge of commercial underwriting, credit monitoring, and portfolio management.
• 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.
• Strong credit acumen, including loan structuring, concise underwriting, risk identification and mitigation, and ongoing risk and relationship management of a commercial portfolio.
• Advanced understanding of credit policy and procedures and the ability to determine loan and credit risks and evaluate cash-flow-based and collateral-based loans and credits.
• Knowledge of commercial bank products and services and ability to identify cross-selling opportunities that benefit clients.
• Excellent verbal, written, interpersonal, and presentation skills.
• Ability to communicate effectively with small and large audiences, including senior customer executives such as CFOs and CEOs.
• Ability to work effectively with individuals and groups across the company to manage customer relationships.
• Ability to collaborate with a team and participate in client-facing service and sales activity.
• Proficiency with personal computers and software packages, including Microsoft Excel, Word, and PowerPoint.

Responsibilities

• Monitor credit risk and manage and prioritize Credit Review workflows, coordinating with underwriting, Quality Assurance, Quality Control, and CQA partners.
• Identify opportunities to cross-offer products, services, and solutions that meet client needs and deepen banking relationships.
• Partner with Commercial Bankers on portfolio management, client engagement, partner coordination, and development of commercial business relationships.
• Serve as a primary point of contact for clients and attend client meetings to assess needs and expand mature relationships.
• Use financial and market information and the Relationship Expansion Tool to identify appropriate products and services.
• Analyze customers’ and prospective customers’ financial information and ability to qualify for borrowing requirements.
• Make recommendations on loan structure and terms and refer matters to the appropriate level of authority.
• Act as a liaison among clients, Core Fee Income business partners, the Credit Department, Commercial support staff, and other internal partners.
• Ensure clients are approved for ancillary products and services.
• Spend 30% of work time on direct relationship-expansion sales activities in consultation with the Commercial Banker.
• Achieve annual production and relationship-growth goals for loans, deposits, and core fees.
• Conduct ongoing client relationship reviews and develop an understanding of current and future client needs.
• Manage additional credit requests, renewals, and reviews; monitor commercial loans and relationships and assess the merits of loan requests.
• Maintain application and underwriting quality and participate in documentation review.
• Collaborate with Commercial Bankers on formal recommendations and presentations to the Commercial Relationship Manager and Credit Administration.
• Ensure the loan portfolio is appropriately risk rated and that portfolio administration and risk management comply with credit policies, procedures, business strategy, and regulatory guidelines.
• Follow bank policies and procedures, comply with applicable regulations, complete required training, and stay current on regulatory changes.
• Maintain working knowledge of applicable policies and regulations, including Bank Secrecy Act, Regulation CC, and Regulation E.
• May coach, mentor, or train others and teach coursework as a subject matter expert.
• Demonstrate and foster Columbia Bank’s corporate culture and take personal initiative as a positive example.
• Perform other duties as assigned.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• 401(k) retirement savings plan with employer match for qualifying associate contributions
• Employee assistance program
• Life insurance
• Disability insurance
• Tuition assistance
• Mental health resources
• Identity theft protection
• Legal support
• Auto and home insurance
• Pet insurance
• Online discount marketplace
• Paid vacation
• Paid sick days
• Paid volunteer days
• Paid holidays
• Potential performance-based incentive compensation

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level