Portfolio Banker

The Portfolio Banker needed for this well-established California bank, founded over 100 years ago, partners with Relationship Managers and the Regional Relationship Manager to evaluate the financial condition and credit needs of prospective and existing Commercial Real Estate (CRE) borrowers.

Responsibilities

• Analyze CRE financial statements, credit information, and supporting due diligence to assess the risk and return of financing opportunities.
• Prepare credit memoranda and conduct annual loan reviews.
• Support the underwriting and structuring of complex loan products such as bridge and construction loans through analysis of rent rolls, borrower and property financials, cash flows, and valuations.
• Collaborate closely with clients, Relationship Managers, Credit Administration, and senior leadership to support credit approval and risk decisions.
• Monitor financial reporting, covenant compliance, loan performance, and relevant market and property trends post-closing.

Requirements

• Experience in investor real estate underwriting and asset management.
• Strong analytical and mathematical skills.
• High level of attention to detail and accuracy.
• Effective telephone and interpersonal communication skills.
• Customer service orientation.
• Demonstrated critical thinking and problem-solving abilities.
• Ability to work independently and collaboratively.
• Willingness and ability to actively listen and learn.
• Ability to communicate persuasively when discussing products or services.
• Ability to communicate respectfully and professionally with supervisors and colleagues.
• Collaborative team-oriented environment.

Qualifications

• Bachelor’s degree required; degree in Business, Accounting, Finance, or a related discipline preferred.
• Minimum 5–10 years of experience in a related field, with a strong emphasis on Commercial Real Estate underwriting and asset management, customer service, and credit portfolio management.

Skills

• Sound judgment and market awareness.
• Strong time-management and organizational skills, with the ability to prioritize and manage multiple tasks.
• Proficiency in Microsoft Office, particularly Excel and Word.
• Clear and effective written and verbal communication skills in English.

Benefits

• Strong benefits package including medical, dental, vision, retirement plans (401k), profit sharing, and an annual bonus.

Pay

$130,000 - $155,000 per year.

Schedule

Not specified.

Benefits

• Not specified.

Skills

• Not specified.

A bit about us: We are a well-established California bank that has been in operation for over 100 years. Why join us? Strong benefits, profit sharing contribution, and an annual bonus.

Job Details
Job Summary: The Portfolio Banker partners with Relationship Managers and the Regional Relationship Manager to evaluate the financial condition and credit needs of prospective and existing Commercial Real Estate (CRE) borrowers. This role is responsible for analyzing CRE financial statements, credit information, and supporting due diligence to assess the risk and return of financing opportunities. The position requires experience in investor real estate underwriting and asset management, including preparation of credit memoranda and annual loan reviews. The Portfolio Banker supports the underwriting and structuring of complex loan products—such as bridge and construction loans—through analysis of rent rolls, borrower and property financials, cash flows, and valuations. This role collaborates closely with clients, Relationship Managers, Credit Administration, and senior leadership to support credit approval and risk decisions. Post-closing responsibilities include monitoring financial reporting, covenant compliance, loan performance, and relevant market and property trends.

Knowledge, Skills and Abilities: Sound judgment and market awareness. Strong time-management and organizational skills, with the ability to prioritize and manage multiple tasks. Proficiency in Microsoft Office, particularly Excel and Word. Clear and effective written and verbal communication skills in English. Strong analytical and mathematical skills. High level of attention to detail and accuracy. Effective telephone and interpersonal communication skills. Strong customer service orientation. Demonstrated critical thinking and problem-solving abilities. Ability to work independently as well as collaboratively. Ability to multitask and adapt in a fast-paced environment. Willingness and ability to actively listen and learn. Ability to communicate persuasively when discussing products or services. Ability to communicate respectfully and professionally with supervisors and colleagues. Demonstrated ability and willingness to collaborate in a team-oriented environment and contribute to shared goals.

Equipment Operated: Not specified.

Education and Experience: Bachelor’s degree required; degree in Business, Accounting, Finance, or a related discipline preferred. Minimum 5–10 years of experience in a related field, with a strong emphasis on Commercial Real Estate underwriting and asset management, customer service, and credit portfolio management.