Portfolio Manager

Citizens Business Bank • Orange, CA

1d

About The Position

The Portfolio Manager makes and services a wide variety of loans, commercial real estate loans, and lines of credit, often 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, analyzes customer and prospect financial needs and opportunities, negotiates with customers and prospects, and presents credit and product requests internally. The position works independently and with Department management to retain and grow existing relationships, attract new relationships, and identify suitable banking products and services.

The role contributes to Department earnings and growth objectives, budgetary goals, and community and civic activities. It ensures compliance with applicable policies, procedures, laws, lending requirements, and CRA objectives. This position 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.
• Ability to write simple correspondence.
• Ability to effectively present information in one-on-one and small-group situations to customers, clients, and employees.
• Ability to perform basic arithmetic using whole numbers, common fractions, and decimals with a PC or calculator.
• Ability to understand and communicate complex financial ratios to internal and external customers and departments.
• Ability to apply common-sense understanding to detailed but uninvolved written or oral instructions and handle problems involving a few concrete variables in standardized situations.
• Knowledge of Outlook Internet software, Excel, and word-processing software.
• Ability to perform the essential duties, with reasonable accommodations where applicable.

Responsibilities

• Comply with and stay current on applicable policies and procedures, and federal and state laws.
• Present complex solutions to existing customers and prospects using discretion and independent judgment.
• Maintain a complete understanding of complex financial products and services.
• Approve loans within specified limits and refer applications outside those limits to management for approval.
• Reject loans and explain deficiencies to customers.
• Participate in Department functions that support earnings and growth objectives, and in community and civic activities.
• Contribute to meeting or exceeding Department budget goals and ensure deposit, loan, and net income goals are met.
• Work independently or with the Manager to ensure Bank operating and lending policies and procedures are implemented and followed promptly.
• Comply with CBB policies and procedures to support a passing or better audit.
• Help ensure the Bank's CRA policies and objectives are met in 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, with a production goal based on experience.
• Provide, present, and promote The Citizens Experience to external and internal customers.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time