Commercial Loan Portfolio Manager

Columbia Bank•Redding, CA

3d•$93,000 - $165,000•Onsite

About The Position

The Commercial Loan Portfolio Manager underwrites, monitors, and manages a $50–$200 million portfolio of Commercial Banking relationships. The role analyzes financial and client information to evaluate loan requests, assess borrowing capacity, recommend and present credit decisions, and ensure relationships are appropriately risk-rated. The manager makes loan and term decisions within established lending limits or refers matters to the appropriate authority. Working with the Commercial Relationship Manager, this position serves as a client contact and liaison among Credit, Commercial support staff, and internal business partners. Responsibilities include attending customer meetings, identifying client needs, promoting and cross-selling bank products and services, conducting due diligence on new relationships, monitoring loan repayment and borrower financial condition, and taking appropriate action on past-due accounts. The role ensures portfolio administration and risk management comply with bank policies, procedures, business strategy, and applicable commercial and regulatory guidelines. It also requires keeping current with relevant regulations and completing required training. The manager may coach, mentor, or train others and present coursework as a subject matter expert, while demonstrating Columbia Bank’s corporate culture and supporting its vision to become the “Business Bank of Choice.” Other duties may be assigned. This position is fully onsite at 1951 Churn Creek, Redding, CA 96002. Frequent travel is required. The pay range is $93,000 to $165,000, with possible performance-based incentive compensation. The selected candidate’s pay depends on job-related knowledge, skills, experience, education, and geographic location.

Requirements

4–7 years of relevant commercial lending experience and/or prior experience as a Commercial Credit Underwriter or Commercial Relationship Manager.
Strong knowledge of commercial underwriting, credit monitoring, and portfolio management.
Strong relationship management, business development, analytical, problem-solving, sales, credit, and credit-quality skills.
Advanced understanding of credit policy and procedures, including the ability to accurately risk-rate loans and credits and evaluate cash-flow-based and collateral-based loans and credits.
Advanced knowledge of commercial bank products and services and the ability to identify cross-selling opportunities.
Excellent verbal, written, interpersonal, and presentation skills.
Ability to exercise sound business judgment and work effectively with individuals and groups across the company to manage customer relationships.
Ability to partner effectively with the Commercial Relationship Manager, Underwriter, and Credit Administration.
Advanced knowledge of commercial lending policies, procedures, practices, and documentation.
Advanced proficiency with personal computers and software such as MS Excel, Word, and PowerPoint.
Ability to train and present to small and large audiences.
Frequent travel required.
Ability to work fully onsite at the posted location.

Responsibilities

Underwrite, monitor, and manage a $50–$200 million portfolio of Commercial Banking relationships.
Analyze financial and client information to evaluate loan requests, determine credit merits and borrowing capacity, and make formal recommendations and presentations to the Commercial Relationship Manager and Credit Administration.
Manage portfolio and client relationships in partnership with the Commercial Relationship Manager, serving as a point of contact for clients and a liaison to Credit, Commercial support staff, and other internal business partners.
Ensure portfolio administration and risk management comply with established credit policies, procedures, business strategy, and commercial and regulatory guidelines.
Attend customer meetings, assess customer needs, expand existing relationships, and promote and cross-sell bank products and services.
Evaluate complex client problems and conduct due diligence and analysis for new client relationships as appropriate.
Ensure loans are properly risk-rated; make decisions on loans and terms within established lending limits or refer decisions to the appropriate authority.
Monitor loan repayments and borrowers’ financial condition, take necessary action to collect past-due accounts, and monitor repayment ability across accounts.
Demonstrate compliance with bank regulations and keep current on applicable regulation changes.
Follow bank policies and procedures, comply with regulations, and complete required annual or job-specific training.
Maintain working knowledge of applicable written policies and procedures, including those concerning the Bank Secrecy Act, Regulation CC, Regulation E, and Bank Security.
Coach, mentor, or train others and teach coursework as a subject matter expert when asked.
Demonstrate and foster Columbia’s corporate culture, take personal initiative, and serve as a positive example.
Perform other duties as assigned.

Benefits

Medical, dental, and vision plans
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
Access to an online discount marketplace
Paid vacation
Paid sick days
Paid volunteer days
Paid holidays
Possible performance-based incentive compensation