Commercial Portfolio Manager - CA or NV (In-Office)

California Bank & Trust • San Diego, CA

2d • Onsite

About The Position

Zions Bancorporation is a premier financial services company with over $70 billion in assets, operating with local management teams in 11 western states and committed to making a difference in their communities. This is an in-office role located in California and Nevada. The Commercial Portfolio Manager position requires skills and experience in credit underwriting, risk analysis, portfolio management, and relationship management.

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.
• 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.

Nice To Haves

• An equivalent combination of education and directly related corporate banking experience may be considered.

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.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance
• Paid Parental Leave
• Adoption Assistance
• Health Savings (HSA)
• Flexible Spending (FSA)
• Dependent care accounts
• Paid Training
• Paid Time Off (PTO)
• Paid Federal Holidays
• 401(k) plan with company match
• Profit Sharing
• Competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products
• Employees may, at the company’s discretion, be eligible to receive a cash bonus award

What This Job Offers

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