Commercial Loan Portfolio Manager

Columbia Bank•Redding, CA

2d•$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 data and loan requests, prepares formal recommendations and presentations for the Commercial Relationship Manager and Credit Administration, and makes lending decisions within established limits or refers them to the appropriate authority. It serves as a client contact in partnership with the Commercial Relationship Manager and coordinates with Credit, Commercial support staff, and other internal partners. The position ensures portfolio administration, risk ratings, and risk management comply with credit policies, procedures, business strategy, and regulatory guidelines. It also supports customer relationships and business development by attending customer meetings, assessing needs, and promoting relevant bank products and services. The role monitors repayment activity and borrowers’ financial condition, takes appropriate action on past-due accounts, conducts due diligence for new relationships, and keeps current with applicable regulations and required training. The manager may coach, mentor, or train others, and is expected to model Columbia Bank’s corporate culture and vision. The position is fully onsite at 1951 Churn Creek, Redding, CA 96002. The stated pay range is $93,000–$165,000, with potential eligibility for performance-based incentive compensation.

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, and sales abilities.
Strong analytical and problem-solving skills, sound business judgment, and credit-quality skills.
Advanced understanding of credit policies and procedures and ability to risk-rate loans and evaluate cash-flow-based and collateral-based credits.
Advanced knowledge of commercial bank products and services and ability to identify cross-selling opportunities.
Excellent verbal, written, interpersonal, and presentation skills.
Ability to work effectively with individuals and groups across the company to manage customer relationships.
Ability to partner effectively with the team, including the Commercial Relationship Manager and Underwriter, and with 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 is 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 information and loan requests, then make formal recommendations and presentations to the Commercial Relationship Manager and Credit Administration.
Partner with the Commercial Relationship Manager as a client contact and liaise with 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, and promote and cross-market bank products and services.
Evaluate complex client information and determine whether customers and prospective customers qualify for borrowing needs.
Conduct due diligence and analysis for new client relationships as appropriate.
Ensure loans are properly risk-rated and make lending decisions within established limits or refer matters to the appropriate authority.
Monitor loan repayment activity and borrowers’ financial condition; take necessary action on past-due accounts and assess ongoing repayment ability.
Comply with applicable bank regulations, policies, procedures, and required training; maintain working knowledge of applicable regulations and keep up to date on regulatory changes.
Coach, mentor, or train others and teach coursework as a subject matter expert when asked.
Model and foster Columbia Bank’s corporate culture and vision; 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
Online discount marketplace
Paid vacation, sick days, volunteer days, and holidays
Potential eligibility for performance-based incentive compensation