Portfolio Manager - Irvine, 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 strong relationships with clients and colleagues. As a premier California-focused financial services company with over 70 years of history and more than 80 full-service branch offices, CB&T serves communities, families, and businesses of all sizes. The bank has earned recognition as a perennial "Best Bank" and "Best Commercial Bank" by readers of the San Diego Union-Tribune and Orange County Register, as well as multiple Greenwich Excellence Awards for client satisfaction.

Responsibilities

• Manage and service a portfolio of existing loan relationships.
• Expand and build client relationships to ensure excellent customer satisfaction.
• Spread and analyze financial statements, address industry risks, monitor collateral requirements, and assist with loan structuring, pricing, and credit analysis.
• Monitor credit performance and prepare loan presentations.
• Handle reporting on loans, including past dues, documentation, collateral exceptions, financial performance updates, portfolio profitability, and risk grades.
• Stay informed of financial and market trends in the portfolio and analyze their impact.
• Assist bankers with new and existing loan requests and special projects.
• At the senior level, manage Analysts and Loan Specialists.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree in Finance, Business, or a related field.
• 6+ years of banking, relationship management, underwriting, and credit experience (or equivalent combination of education and experience).
• Extensive knowledge of various loan types, credit analysis, financial statement spreading, risk analysis, credit scoring, and loan documentation.
• Strong understanding of banking products, services, policies, procedures, and regulations.
• Advanced credit skills in underwriting, financial modeling, valuations, and policy adherence.
• Excellent customer service, relationship-building, organizational, analytical, and problem-solving skills.
• Ability to meet deadlines and strong verbal and written communication skills.
• Proficiency in word processing and spreadsheet software.

Benefits

• Medical, dental, and vision insurance (effective day one).
• Life and disability insurance.
• Paid parental leave and adoption assistance.
• Health Savings Account (HSA), Flexible Spending Account (FSA), and dependent care accounts.
• Paid training, Paid Time Off (PTO), and 11 paid federal holidays (plus applicable state holidays).
• 401(k) plan with company match and profit sharing.
• Mental health benefits, including coaching and therapy sessions.
• Tuition reimbursement up to $5,250 per calendar year for qualifying employees enrolled in an accredited degree program related to business needs (eligible upon hire).
• Employee Ambassador preferred banking products.

Pay

This position is eligible for a base salary in the range of $117,000 - $144,000 annually, depending on experience and location.