Portfolio Manager

California Bank of Commerce•Walnut Creek, CA

About The Position

The Portfolio Manager manages a portfolio of customer loan and deposit relationships, recommends loans for approval within assigned limits, oversees loan and portfolio credit quality, and cross-sells appropriate bank products and services. The role also assists Relationship Managers with day-to-day underwriting responsibilities. The position is responsible for retaining and expanding existing customer relationships, developing new business in partnership with Relationship Managers, growing net revenue, and managing customer and regional credit underwriting strategies. It structures, underwrites, and recommends relationships in accordance with company credit policy, identifies and manages risk, and coordinates with product specialists and other departments to provide strong customer service. The Portfolio Manager also supports compliance with bank policies and applicable regulatory and internal requirements, participates in community and CRA activities, and may train or coach Credit Analysts.

Requirements

Bachelor’s degree.
Five to seven years of commercial lending experience.
Broad knowledge and experience in banking operations, products, and services.
Computer skills, including use of Microsoft Office products and other required programs.
Excellent written and verbal communication skills, attention to detail, and follow-through.
Demonstrated leadership skills and ability to foster and sustain collaborative working relationships within the bank.
Strong relationship management and business development abilities.
Well-developed analytical and problem-solving skills.
Broad knowledge of bank products and services to capitalize on business opportunities.
Dedication to teamwork and long-term commitment to success.

Responsibilities

Retain and expand relationships with existing customers.
Prospect for and close new business relationships in partnership with Relationship Managers.
Grow net revenue year over year as directed by Senior Management.
Provide training and coaching to Credit Analysts as assigned.
Manage credit quality.
Structure, underwrite, and recommend new and existing relationships in accordance with company credit policy.
Identify risk and assign appropriate risk ratings.
Manage assigned customer relationships and involve appropriate product specialists as needed.
Resolve customer problems and coordinate with other departments to ensure a high level of service and support.
Manage overall customer and regional credit underwriting strategies.
Develop and implement relationship strategies to cross-sell bank products and services.
Meet customer requirements by providing appropriate loan, deposit, cash management, and other bank products.
Stay current on the bank’s lending policies, products, and services.
Participate in community and CRA activities to promote the company’s brand.
Ensure compliance with the Code of Ethics and applicable Bank Secrecy Act/Anti-Money Laundering, USA Patriot Act, information security, and suspicious activity reporting requirements, policies, and procedures.
Participate in required corporate and business line training on compliance topics.
Follow account opening procedures and internal suspicious activity referral requirements and processes.
Work with customers to understand their normal account activity, as appropriate.