Portfolio Manager - San Francisco, CA

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.      

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.  

We are looking for a seasoned Portfolio Manager in San Francisco, CA. The Commercial Banking Portfolio Manager is a key member of the deal team to successfully manage Commercial Banking relationships. Portfolio Managers are intimately involved in the entire deal process from origination to ongoing management. This role helps grow revenue by successfully closing new business relationships and retaining and expanding existing relationships with excellent customer satisfaction.

Essential Functions: 

• Underwrites commercial loans ranging from direct deals to syndications.

• Manages credit risk and makes independent calls on assigned portfolio of relationships.

• Directly accountable for managing and servicing a portfolio while operating within the bank’s risk appetite and policies.

• Ensures financial statements are spread and analyzed, addresses industry risks, monitors collateral requirements, loan structuring and pricing, credit analysis, monitors credit performance, facilitates loan documentation and closing, and assists in committee presentations.

• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. 

• Provides customer service, participates in sales calls with Relationship Managers, and helps identify customer needs.

• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.  

• Assists bankers with new and existing loan requests and other special projects.  

• Senior level may manage Analysts and Loan Specialists.  

• Other duties as assigned.  

Qualifications:  

• Requires a bachelor's degree in Finance, Business or other related field and 4+ years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.

• Working knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.

• Knowledge of banking products, services, policies, procedures and regulations.

• Strong credit skills in underwriting, financial modeling, valuations and adherence to policy.

• Requires strong customer service, relationship, organizational, analytical and creative problem solving skills.

• Ability to meet deadlines.  

• Must have strong communications skills, both verbal and written.

• Knowledge of various software applications including word processing and spreadsheets.

Benefits:   

• Medical, Dental and Vision Insurance - START DAY ONE!   

• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance  

• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts 

• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays 

• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience  

• Mental health benefits including coaching and therapy sessions 

• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire 

• Employee Ambassador preferred banking products 

This position is eligible to earn a base salary in the range of $85,000 - $150,000 depending on job-related factors such as level of experience.