Commercial Lending Portfolio Manager - Fresno, CA

About the role

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.

Responsibilities

• Provides analysis and underwriting for new C&I and CRE credit requests.
• Manages and services a portfolio of existing loan relationships.
• Expands and builds relationships with a high degree of resultant customer satisfaction as an extension of the relationship management team.
• Ensures financial statements are spread and analyzed, addresses industry risks, monitors collateral requirements, loan structuring and pricing, credit analysis, monitors credit performance and assists with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.
• 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.

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.