Portfolio Manager II

Tri Counties Bank•South San Francisco, CA

8h•$102,230 - $127,790

About The Position

Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen and retain portfolio relationships. Through the cross-selling of the Bank’s products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitating of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA.

Requirements

High school diploma required; bachelor’s degree in accounting, finance or business administration, recommended.
5 years of related experience required within financial industry.
Financial analysis experience and credit training, required.
Strong business acumen and ability to fully analyze and underwrite all types of loans.
Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.
Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy.
Effective presentation skills to C-Suite executives and organizations.
Experience with financial analysis programs and discounted cash flow models.
Good interpersonal skills, team oriented, and strong customer service skills.

Responsibilities

Serve as primary contact for assigned complex Commercial or Business relationships across the Banks’ footprint, to proactively retain and expand through regular contact.
Provide preliminary analysis and information for annual reviews, renewals, and new relationships brought into the Bank.
Monitor and assist with the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management.
Maintain a loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
Recommend and model appropriate loan structure for expanding relationships.
Ensure all documentation necessary for completion of loan package is acquired.
Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.
Conduct quarterly, semi-annual or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.
Participate in research, preparation and understanding customer relationship and changes in the industry.
Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture.
Identify referral opportunities and introduce other business lines.
Review of credit risk rating and borrower/guarantor analysis.
Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations.
Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.