Portfolio Manager

Citizens Business Bank•Orange, CA

3d•$87,612 - $124,846

About The Position

The Portfolio Manager makes and services a wide variety of loans, commercial real estate loans, and lines of credit, many involving large amounts and important customers. The role is responsible for identifying, soliciting, and retaining commercial and commercial real estate relationships, including loans, deposits, and other Bank products and services. The Portfolio Manager manages a customer portfolio, expands existing relationships, attracts new customers, and assesses customers’ banking needs to determine suitable products and services. The incumbent works independently and, when appropriate, through Department management to support sales and service efforts, relationship retention and growth, and Department earnings and growth objectives. Responsibilities include analyzing customer and prospect financial needs and opportunities, negotiating with customers and prospects, and presenting credit and product requests internally. The role has no supervisory responsibilities.

Requirements

Bachelor’s degree from a four-year college or university, or at least seven years of related experience and/or training, or an equivalent combination of education and experience.
Ability to read and comprehend simple instructions, short correspondence, and memos; write simple correspondence; and effectively present information one-on-one and in small-group settings to customers, clients, and employees.
Ability to apply basic arithmetic using a PC or calculator and understand and communicate complex financial ratios to internal and external customers and departments.
Ability to follow detailed but uncomplicated written or oral instructions and address problems involving a few concrete variables in standardized situations.
Knowledge of Outlook, Internet software, Excel, and word-processing software.
Ability to meet the physical demands of the role, including regularly sitting, using hands, and talking or hearing; occasionally standing and walking; and occasionally lifting or moving up to 10 pounds.
Required vision abilities include close, distance, and color vision.

Responsibilities

Comply with and stay current on policies and procedures and federal and state laws applicable to the job.
Use discretion and independent judgment to present complex solutions to existing customers and prospects, applying a complete understanding of complex financial products and services.
Approve loans within specified limits and refer applications beyond those limits to management for approval.
Reject loan applications and explain deficiencies to customers.
Participate in Department functions that contribute to earnings and growth objectives, including community and civic activities.
Contribute significantly to meeting or exceeding Department budget goals and ensure deposit, loan, and net income goals are met.
Work independently or through the Manager to ensure bank operating and lending policies and procedures are promptly implemented and followed.
Comply with CBB policies and procedures to support a passing or better audit result.
Work independently or through the Manager to help meet the Bank’s CRA policies and objectives for the assigned service area.
Support Department sales and service efforts to retain and grow existing relationships.
Manage personal sales efforts to meet or exceed Department goals and an experience-based production goal.
Provide, present, and promote The Citizens Experience to external and internal customers.
Perform other duties as assigned.
Manage a portfolio of customers, expand existing relationships, attract new relationships, and analyze customers’ banking needs for suitable Bank products and services.
Analyze customer and prospect business financial needs and opportunities, negotiate with customers and prospects, and present credit and product requests internally.