Commercial Portfolio Manager - San Diego or Irvine, CA (In-Office)

Zions Bancorporation•San Diego, CA

6d•$110,963 - $150,000•Onsite

About The Position

Zions Bancorporation is a premier financial services company with over $70 billion in assets, operating in 11 western states with a commitment to local communities. This is an in-office role located in Irvine or San Diego, California. The Commercial Portfolio Manager will be responsible for credit underwriting, risk analysis, portfolio management, and supporting business development efforts.

Requirements

Bachelor’s degree in Finance, Accounting, Economics, or a related field, combined with 8+ years of experience in commercial lending, underwriting, credit analysis, and portfolio or relationship management. An equivalent combination of education and directly related corporate banking experience may be considered.
Advanced knowledge of commercial loan types, credit analysis and underwriting, including the analysis of financial statements, cash flow analysis, collateral valuations, risk-rating methodologies, and loan documentation.
Proven expertise in spreading business tax returns and financial statements, and personal tax returns and personal financial statements of guarantors.
Comprehensive knowledge of federal and state banking regulations, commercial lending procedures, and strict adherence to internal credit policies.
Demonstrated ability to manage a diverse commercial loan portfolio proactively and to monitor covenant compliance, perform annual reviews, and mitigate credit risk.
Excellent written and verbal communication skills, with a proven track record of transforming complex financial data into concise, and well supported credit memorandums for presentation to Credit Administration.
Strong analytical and strategic problem-solving skills, with the ability to structure complex commercial credit facilities under tight deadlines.
High proficiency in advanced financial spreading software, modern Loan Origination Systems (LOS), and advanced spreadsheet modeling.

Responsibilities

Execute comprehensive credit underwriting for new, renewal, and modification commercial loan requests, ensuring alignment with the bank’s credit policy and regulatory standards.
Conduct financial analysis, including spreading corporate and personal financial statements, tax returns, and cash flow modeling (such as DSC, global cash flow, and sensitivity analysis).
Prepare credit presentations, clearly evaluating borrower financial performance, industry risk and trends, risk mitigants, and collateral adequacy for presentation to Credit Administration.
Proactively manage and service an assigned portfolio of existing commercial relationships, maintaining asset quality and minimizing credit risk.
Execute ongoing portfolio management, including completing annual loan reviews, validating and tracking reporting and financial covenants, updating credit risk grades, and resolving collateral or documentation exceptions.
Monitor delinquency and past-due reports, taking action to address early-warning signs of credit deterioration, and partnering with Special Assets or senior credit leadership when necessary.
Partner with Commercial Bankers to identify loan opportunities and to help with structuring and pricing credit facilities.
Prepare preflight summaries and facilitate discussions with Credit Administration to gauge risk appetite early in the deal cycle.
Serve as a knowledgeable secondary point of contact for clients, delivering exceptional customer service and assisting in expanding, building, and retaining key commercial relationships.
Ensure strict compliance with all internal banking policies, credit guidelines, and federal and state lending regulations.
Perform other strategic duties, project-level risk assessments, or departmental tasks as assigned to support overall business line objectives.