Commercial Lending Portfolio Manager - Fresno, CA

California Bank & Trust•Fresno, CA

About The Position

California Bank & Trust is seeking an experienced Commercial Portfolio Manager to join its Fresno Commercial Banking team. The role partners directly with Commercial Relationship Managers to underwrite and manage a high-quality portfolio of Commercial Real Estate (CRE) and Commercial & Industrial (C&I) relationships across the Central Valley. The Portfolio Manager leads financial statement spreading, credit memo preparation, risk monitoring, and structure and pricing optimization for complex commercial borrowing requests. The role also helps build customer relationships and supports bankers on new and existing loan requests and special projects.

Requirements

Bachelor’s degree in Finance, Business, or another related field, and 4+ years of banking, relationship management, underwriting and credit experience, or other directly related experience; an equivalent combination of education and experience may meet qualifications.
Working knowledge of loan types, credit analysis, financial statement spreading and analysis, risk analysis, credit scoring, and loan documentation.
Knowledge of banking products, services, policies, procedures, and regulations.
Strong credit skills in underwriting, financial modeling, valuations, and adherence to policy.
Strong customer service, relationship, organizational, analytical, and creative problem-solving skills.
Ability to meet deadlines.
Strong verbal and written communication skills.
Knowledge of software applications, including word processing and spreadsheets.

Responsibilities

Analyze and underwrite new C&I and CRE credit requests.
Manage and service a portfolio of existing loan relationships.
Build and expand customer relationships, supporting the relationship management team and customer satisfaction.
Spread and analyze financial statements; assess industry risks; monitor collateral requirements and credit performance; support loan structuring, pricing, credit analysis, and loan presentations.
Prepare and handle loan reporting, including past-due loans, documentation and collateral exceptions, financial performance updates, portfolio profitability, and risk grades.
Monitor financial and market trends in the portfolio and analyze their potential effects.
Assist bankers with new and existing loan requests and special projects.
Perform other duties as assigned.

Benefits

Medical, dental, and vision insurance starting day one.
Life and disability insurance.
Paid parental leave and adoption assistance.
Health Savings Account (HSA), Flexible Spending Account (FSA), and dependent care accounts.
Paid training, paid time off (PTO), and 11 paid federal holidays, plus applicable state holidays.
401(k) plan with company match and profit sharing.
Competitive compensation based on work experience.
Mental health benefits, including coaching and therapy sessions.
Tuition reimbursement for qualifying employees enrolled in an accredited degree program related to business needs, up to $5,250 per calendar year; employees are eligible upon hire.
Employee Ambassador preferred banking products.