Middle Market Commercial Real Estate Senior Portfolio Manager

Tri Counties Bank•Walnut Creek, CA

1d•$128,000 - $145,000

About The Position

Responsible for the growth and retention of assigned portfolio clients and for collaborating with the Commercial Banking Regional Manager to deepen, retain, and grow portfolio relationships. The role uses cross-selling of bank products and services and forward-looking business planning to develop relationship service plans. It also facilitates comprehensive analysis of credit facilities in the assigned portfolio to generate income and maximize return on assets. The Senior Portfolio Manager serves as the primary contact for assigned complex commercial or business relationships, facilitates underwriting for annual reviews, renewals, and relationship expansions, and monitors profitability, retention, growth, portfolio balances, financial ticklers, and covenant management. The position maintains a complex loan portfolio while minimizing risk and managing delinquencies and weak loans according to bank policy. It also recommends loan structures, ensures loan-package documentation is acquired, conducts periodic business reviews, identifies referral and expansion opportunities, and analyzes financial data and credit risk to support loan recommendations and customer relationship management. The position requires compliance with current bank policies and procedures and applicable federal and state laws and regulations. The hiring range is $128,000 to $145,000 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 different levels of financial literacy.
Effective presentation skills with C-suite executives and organizations.
Experience with financial analysis programs and discounted cash flow models.
Good interpersonal skills, team orientation, and strong customer service skills.
Ability to comply with bank policies and applicable federal and state regulations.

Nice To Haves

Bachelor’s degree in accounting, finance, or business administration is recommended.

Responsibilities

Serve as primary contact for assigned complex commercial or business relationships across the bank’s footprint, proactively retaining and expanding them through regular contact.
Facilitate underwriting for annual reviews, renewals, and relationship expansions within the portfolio.
Monitor relationship profitability, retention, and growth, and respond to portfolio balance changes, financial ticklers, and covenant-management needs.
Maintain a complex loan portfolio, minimizing risk and managing delinquencies and weak loans according to bank policy.
Recommend and model appropriate loan structures for expanding relationships.
Ensure all documentation necessary to complete loan packages is acquired.
Coordinate with business partners or the Regional Manager to identify customer expansion and retention opportunities, focusing on value-added expertise.
Conduct quarterly, semi-annual, or annual business reviews with business partners and Community Banking partners, using historical financial reports, industry outlook resources, and benchmarking data to inform current and future financial solutions.
Research customer relationships and changes in the industry, and prepare and develop an understanding of relevant information.
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 on commercial banking relationships, analyzing financial data to evaluate 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 understanding of bank policies and procedures and comply with applicable federal and state laws and regulations, including Bank Secrecy Act requirements, Information Security requirements, Identity Theft Red Flags, and Financial Elder Abuse Reporting.