Portfolio Manager I - SBA Credit
City National Bank · Irvine, CA · 1 mo ago
On-siteFinance$41.83–$66.81/hrFull-time
We need to output HTML fragment with sections: About the role (maybe from "WHAT IS THE OPPORTUNITY?"), Responsibilities (maybe from "WHAT WILL YOU DO?"), Requirements/Qualifications (from "WHAT DO YOU NEED TO SUCCEED?"), Benefits (from "WHAT'S IN IT FOR YOU?" includes compensation and benefits). Pay section: they gave compensation range; we can include Pay section with that info. Schedule not mentioned, so omit. Benefits: list benefits. Also include maybe "About Us" but not required; we can include as a section? The instruction: include a section ONLY when posting has real, specific content for it. About Us is present; we could include as a section maybe "About Us". But they gave list of headings to use: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. They didn't list About Us, but we could still include if we want but better to stick to given headings. However they said use for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). That suggests we can use those headings; we may not need to use all. We'll include About the role, Responsibilities, Requirements (maybe combine Qualifications and Skills?), Benefits, Pay. We need to avoid repeating job title as heading. Also no Job ID etc.
We need to preserve all substantive information; do not invent or summarize away detail. Must not include boilerplate like EEO etc. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. So we need to strip out the inclusion and equal opportunity paragraph, the "Represents basic qualifications..." line, the "To be considered..." etc. Also remove "Get a more detailed look at our Benefits and Perks." maybe considered boilerplate? It's a link but still part of benefits; but it's basically a call to action; maybe we can keep but it's not substantive detail; but it's not boilerplate? It's a promotional line; but we can keep as part of benefits description? Safer to remove it as it's not specific benefit. Also remove "About Us" paragraph? It's substantive about company; could be included as a section but not in given headings. Might be okay to include as a section "About Us" but they didn't list it; but they said use those headings as examples, not exclusive? It says "use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). That suggests we can use those headings; we may not need to use all. We'll include About the role, Responsibilities, Requirements (maybe combine Qualifications and Skills?), Benefits, Pay. We need to avoid repeating job title as heading. Also no Job ID etc.
We need to preserve all substantive information; do not invent or summarize away detail. Must not include boilerplate like EEO etc. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. So we need to strip out the inclusion and equal opportunity paragraph, the "Represents basic qualifications..." line, the "To be considered..." etc. Also remove "Get a more detailed look at our Benefits and Perks." maybe considered boilerplate? It's a link but still part of benefits; but it's basically a call to action; maybe we can keep but it's not substantive detail; but it's not boilerplate? It's a promotional line; but we can keep as part of benefits description? Safer to remove it as it's not specific benefit. Also remove "About Us" paragraph? It's substantive about company; could be included as a section but not in given headings. Might be okay to include as a section "About Us" but they didn't list it; but they said use those headings as examples, not exclusive? It says "use for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." The e.g. suggests those are examples; we could also use other headings if needed. But to be safe, we could include About Us as a section with About Us
. However they said "Prefer a few substantive sections over many thin ones." Including About Us adds another section; maybe we can incorporate that info into About the role? But About the role already covers opportunity; About Us is separate. Could we omit? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we must keep About Us info. If we omit a section, we lose that info. So we need to include it somewhere. Could we fold About Us into About the role? That would mix but still preserve info. Might be acceptable. But better to add a section About Us.
Similarly, "Inclusion and Equal Opportunity" is boilerplate EEO; we must remove.
Also "Represents basic qualifications for the position..." is meta; remove.
Also "To be considered for this position, you must at least meet the required qualifications." is basically repeating required qualifications; we can keep required qualifications info but not that sentence.
Also "careers.cnb.com accepts applications on an ongoing basis, until filled." is application instruction; remove.
Also "Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job." is schedule/location info; could be considered schedule? It mentions location requirement; but not schedule. Could be considered Schedule? Not exactly. Might be considered location requirement; but we have no Schedule section; we could add a note under About the role? Might be considered schedule/location; but they said only include Pay/Schedule/Benefits if posting actually states them. This is about location, not schedule. Could be considered Schedule? Not really. Might be omitted as it's not schedule. But it's substantive info about location requirement. Could we include under About the role? Might be okay.
We need to output only HTML fragment.
Let's extract content:
About the role / Opportunity: The paragraph starting "WHAT IS THE OPPORTUNITY?" up to before "WHAT WILL YOU DO?" includes description.
Responsibilities: "WHAT WILL YOU DO?" bullet list.
Requirements/Qualifications: "WHAT DO YOU NEED TO SUCCEED?" includes Required Qualifications* and Additional Qualifications.
Skills: maybe we can extract from Additional Qualifications: communication, collaboration, analytical, etc. Could be a Skills section.
Benefits: list from "Benefits and Perks" bullet list.
Pay: compensation range.
We also have "About Us" paragraph.
We need to avoid duplication: The responsibilities list includes many items; we should preserve them as - .
Let's parse.
Opportunity text:
"The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Primary Responsibilities Include Underwrite and portfolio manage Business Banking clients - typically privately held companies with annual revenues ranging up to $50 million across a wide range of industries and geographies.Formulate and recommend credit and banking solutions to clients to support working capital, capital expenditures, commercial real estate financing, growth, and other strategic business needs.Operate within a high-volume origination and portfolio management environment, supporting a relationship-focused model that emphasizes risk management, cross-functional collaboration, and long-term client partnerships.Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas.)This individual is expected to present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures.This individual is expected to be responsive to their clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely.This individual is responsible for the ongoing oversight and management of its portfolio (including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.)"
Note there are missing spaces after periods; but we keep as is.
Responsibilities (WHAT WILL YOU DO?):
List:
- Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth.
- Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries.
- Credit Analysis: Analyzes credit data and perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.
- Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
- Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments including developing and presenting individual credit recommendations.
- Risk Management: Practices effective risk management, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.
- Collaboration: Partners with Relationship Manager(s) to successfully manage credit account relationships. Work closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank’s strategic initiatives. Participate in ad-hoc projects to support the organization’s priorities.
- Client Service: Provides exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).
We need to keep each as list items.
Qualifications:
Required Qualifications* Bachelor's Degree or equivalent in Finance, Business, or related field Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries
Additional Qualifications:
- Basic experience in credit management and lending operations, with a strong understanding of risk management principles
- Desire to build leadership and coaching skills, with the ability to train and develop talent
- Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
- Basic analytical skills, with the ability to interpret complex data and make informed decisions
- Industry-specific knowledge and expertise
We could split into Requirements (Required Qualifications) and Skills (Additional Qualifications). Or combine.
Benefits:
List:
- Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
- Generous 401(k) company matching contribution
- Career Development through Tuition Reimbursement and other internal upskilling and training resources
- Valued Time Away benefits including vacation, sick and volunteer time
- Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
- Career Mobility support from a dedicated recruitment team
- Colleague Resource Groups to support networking and community engagement
Also mention "Get a more detailed look at our Benefits and Perks." we can drop as boilerplate.
Pay:
"Compensation Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions."
We need to include Pay section.
Schedule: none.
About Us:
"Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us."
We could include as a section About Us.
Now we need to output HTML fragment with
headings and appropriate
or
- .
We must not include any markdown fences.
Let's craft:
About the role
... opportunity text ...
Responsibilities
- Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth.
...
Requirements
Required Qualifications: Bachelor's Degree or equivalent in Finance, Business, or related field; Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries.
Skills
- Basic experience in credit management and lending operations, with a strong understanding of risk management principles
- Desire to build leadership and coaching skills, with the ability to train and develop talent
- Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
- Basic analytical skills, with the ability to interpret complex data and make informed decisions
- Industry-specific knowledge and expertise
Benefits
- Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
- Generous 401(k) company matching contribution
- Career Development through Tuition Reimbursement and other internal upskilling and training resources
About Us
. However they said "Prefer a few substantive sections over many thin ones." Including About Us adds another section; maybe we can incorporate that info into About the role? But About the role already covers opportunity; About Us is separate. Could we omit? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we must keep About Us info. If we omit a section, we lose that info. So we need to include it somewhere. Could we fold About Us into About the role? That would mix but still preserve info. Might be acceptable. But better to add a section About Us. Similarly, "Inclusion and Equal Opportunity" is boilerplate EEO; we must remove. Also "Represents basic qualifications for the position..." is meta; remove. Also "To be considered for this position, you must at least meet the required qualifications." is basically repeating required qualifications; we can keep required qualifications info but not that sentence. Also "careers.cnb.com accepts applications on an ongoing basis, until filled." is application instruction; remove. Also "Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job." is schedule/location info; could be considered schedule? It mentions location requirement; but not schedule. Could be considered Schedule? Not exactly. Might be considered location requirement; but we have no Schedule section; we could add a note under About the role? Might be considered schedule/location; but they said only include Pay/Schedule/Benefits if posting actually states them. This is about location, not schedule. Could be considered Schedule? Not really. Might be omitted as it's not schedule. But it's substantive info about location requirement. Could we include under About the role? Might be okay. We need to output only HTML fragment. Let's extract content: About the role / Opportunity: The paragraph starting "WHAT IS THE OPPORTUNITY?" up to before "WHAT WILL YOU DO?" includes description. Responsibilities: "WHAT WILL YOU DO?" bullet list. Requirements/Qualifications: "WHAT DO YOU NEED TO SUCCEED?" includes Required Qualifications* and Additional Qualifications. Skills: maybe we can extract from Additional Qualifications: communication, collaboration, analytical, etc. Could be a Skills section. Benefits: list from "Benefits and Perks" bullet list. Pay: compensation range. We also have "About Us" paragraph. We need to avoid duplication: The responsibilities list includes many items; we should preserve them as- .
Let's parse.
Opportunity text:
"The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Primary Responsibilities Include Underwrite and portfolio manage Business Banking clients - typically privately held companies with annual revenues ranging up to $50 million across a wide range of industries and geographies.Formulate and recommend credit and banking solutions to clients to support working capital, capital expenditures, commercial real estate financing, growth, and other strategic business needs.Operate within a high-volume origination and portfolio management environment, supporting a relationship-focused model that emphasizes risk management, cross-functional collaboration, and long-term client partnerships.Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas.)This individual is expected to present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures.This individual is expected to be responsive to their clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely.This individual is responsible for the ongoing oversight and management of its portfolio (including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.)"
Note there are missing spaces after periods; but we keep as is.
Responsibilities (WHAT WILL YOU DO?):
List:
- Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth.
- Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries.
- Credit Analysis: Analyzes credit data and perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.
- Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
- Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments including developing and presenting individual credit recommendations.
- Risk Management: Practices effective risk management, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.
- Collaboration: Partners with Relationship Manager(s) to successfully manage credit account relationships. Work closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank’s strategic initiatives. Participate in ad-hoc projects to support the organization’s priorities.
- Client Service: Provides exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).
We need to keep each as list items.
Qualifications:
Required Qualifications* Bachelor's Degree or equivalent in Finance, Business, or related field Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries
Additional Qualifications:
- Basic experience in credit management and lending operations, with a strong understanding of risk management principles
- Desire to build leadership and coaching skills, with the ability to train and develop talent
- Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
- Basic analytical skills, with the ability to interpret complex data and make informed decisions
- Industry-specific knowledge and expertise
We could split into Requirements (Required Qualifications) and Skills (Additional Qualifications). Or combine.
Benefits:
List:
- Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
- Generous 401(k) company matching contribution
- Career Development through Tuition Reimbursement and other internal upskilling and training resources
- Valued Time Away benefits including vacation, sick and volunteer time
- Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
- Career Mobility support from a dedicated recruitment team
- Colleague Resource Groups to support networking and community engagement
Also mention "Get a more detailed look at our Benefits and Perks." we can drop as boilerplate.
Pay:
"Compensation Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions."
We need to include Pay section.
Schedule: none.
About Us:
"Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us."
We could include as a section About Us.
Now we need to output HTML fragment with
headings and appropriate
or
- .
We must not include any markdown fences.
Let's craft:
About the role
... opportunity text ...
Responsibilities
- Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth. ...
Requirements
Required Qualifications: Bachelor's Degree or equivalent in Finance, Business, or related field; Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries.
Skills
- Basic experience in credit management and lending operations, with a strong understanding of risk management principles
- Desire to build leadership and coaching skills, with the ability to train and develop talent
- Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
- Basic analytical skills, with the ability to interpret complex data and make informed decisions
- Industry-specific knowledge and expertise
Benefits
- Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
- Generous 401(k) company matching contribution
- Career Development through Tuition Reimbursement and other internal upskilling and training resources
- .
We must not include any markdown fences.
Let's craft: