Portfolio Manager

California Bank of Commerce, N.A.•Contra Costa Centre, CA

5d•$105,000 - $135,000

About The Position

The Portfolio Manager manages a portfolio of 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, and growing net revenue as directed by Senior Management. It manages customer relationships and credit underwriting strategies, structures and underwrites relationships in accordance with Company credit policy, identifies risk, and develops relationship strategies that meet customer needs with appropriate lending, deposit, cash management, and other bank products. The Portfolio Manager resolves customer problems, coordinates with other departments to provide strong service, keeps current on bank policies and products, and participates in community and CRA activities. The role also follows the Company’s ethics, compliance, information security, and suspicious activity requirements, including required training and applicable account-opening and customer-activity procedures.

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 work 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 successfully on 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; and identify risk and assign risk ratings appropriately.
Manage assigned customer relationships and involve appropriate product specialists as needed.
Resolve customer problems and coordinate with other departments to provide a high level of customer service and support.
Manage overall customer and regional credit underwriting strategies.
Develop and implement relationship strategies to cross-sell bank products and services, meeting customer requirements with appropriate loan, deposit, cash management, and other bank products.
Keep 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 Company’s 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 in compliance areas.
Follow account-opening procedures and internal suspicious activity referral requirements and processes, as applicable to the position.
Work with customers to understand their normal account activity, as appropriate for the position.