Middle Market Commercial Real Estate Senior Portfolio Manager

Tri Counties Bank•Walnut Creek, CA

18h

About The Position

The Middle Market Commercial Real Estate Senior Portfolio Manager is responsible for the growth and retention of assigned portfolio clients, working with the Commercial Banking Regional Manager to deepen, retain, and grow portfolio relationships. The position cross-sells bank products and services and develops forward-looking relationship service plans. It also facilitates comprehensive analysis of portfolio credit facilities to generate income and maximize return on assets. The role serves as the primary contact for assigned complex commercial or business relationships across the bank’s footprint, facilitates underwriting for annual reviews, renewals, and expansions, and monitors profitability, retention, growth, balances, financial ticklers, and covenants. It maintains a complex loan portfolio in accordance with bank policy, recommends loan structures, secures required loan documentation, identifies expansion and retention opportunities, conducts periodic business reviews, and collaborates with business and community banking partners. The position also performs financial analysis and credit-related duties alongside Credit Administration, manages customer relationships, and supports the bank’s service culture and referral opportunities. The hiring range is $128,000 to $145,000 in annual salary, with incentive opportunities. Compensation may vary by location and is commensurate with qualifications and experience.

Requirements

High school diploma required.
Seven years of related experience in the financial industry required.
Financial analysis experience and credit training required.
Strong business acumen and ability to analyze and underwrite all types of loans.
Superior understanding and analysis of financial statements, collateral, debt service coverage ratio (DSCR), and covenant compliance.
Exceptional communication and analytical skills, including the ability to communicate effectively across all levels of financial literacy.
Effective presentation skills with C-suite executives and organizations.
Good interpersonal skills, a team-oriented approach, and strong customer service skills.
Maintain understanding of applicable requirements, including Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, and Financial Elder Abuse Reporting.

Nice To Haves

Bachelor’s degree in accounting, finance, or business administration is recommended.
Experience with financial analysis programs and discounted cash flow models.

Responsibilities

Serve as the primary contact for assigned complex commercial or business relationships across the bank’s footprint, proactively retaining and expanding relationships through regular contact.
Facilitate underwriting for annual reviews, renewals, and portfolio relationship expansions.
Monitor relationship profitability, retention, and growth, and respond to portfolio balance changes, financial ticklers, and covenant management needs.
Maintain a complex loan portfolio while minimizing risk and managing delinquencies and weak loans according to bank policy.
Recommend and model appropriate loan structures for expanding relationships.
Ensure all documentation required to complete loan packages is obtained.
Coordinate with business partners or the Regional Manager to identify customer expansion and retention opportunities.
Conduct quarterly, semi-annual, or annual business reviews with business and Community Banking partners, using historical financial reports, industry outlook resources, and benchmarking data to support current and future financial solutions.
Research and prepare information to understand customer relationships and industry changes.
Understand the bank’s products and services and support Tri Counties’ Service with Solutions culture.
Identify referral opportunities and introduce customers to other business lines.
Work alongside Credit Administration to analyze financial data, assess loan requests, recommend structures, and actively manage customer relationships.
Review credit risk ratings and borrower and guarantor analyses.
Assess changes, identify offsetting mitigants, and summarize recommendations.
Maintain current knowledge of bank policies, procedures, and applicable federal and state laws and regulations.