What are the responsibilities and job description for the Portfolio Manager - San Diego, CA position at California Bank & Trust?
Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are looking for a seasoned Portfolio Manager in San Diego, CA . This role focuses on identifying appropriate lending opportunities, soliciting, and developing all types of business activity, specializing in commercial loans and participates in the development of overall commercial loan objectives, policies and practices.
Essential Functions:
Responsible for managing and servicing a portfolio of existing loan relationships.
Responsible for expanding and building relationships with a high degree of resultant customer satisfaction.
Responsible for ensuring financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting 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.
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 6 years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.
Advanced knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.
Strong working knowledge of banking products, services, policies, procedures and regulations.
Advanced credit skills in underwriting, financial modeling, valuations and adherence to policy.
Requires excellent customer service, relationship, organizational, analytical and creative problem-solving skills.
Ability to meet deadlines.
Must have excellent 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
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
Employee Ambassador preferred banking products
This position is eligible to earn a base salary in the range of $103,000 - $150,000 annually depending on job-related factors such as level of experience and location.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are looking for a seasoned Portfolio Manager in San Diego, CA . This role focuses on identifying appropriate lending opportunities, soliciting, and developing all types of business activity, specializing in commercial loans and participates in the development of overall commercial loan objectives, policies and practices.
Essential Functions:
Responsible for managing and servicing a portfolio of existing loan relationships.
Responsible for expanding and building relationships with a high degree of resultant customer satisfaction.
Responsible for ensuring financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting 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.
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 6 years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.
Advanced knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.
Strong working knowledge of banking products, services, policies, procedures and regulations.
Advanced credit skills in underwriting, financial modeling, valuations and adherence to policy.
Requires excellent customer service, relationship, organizational, analytical and creative problem-solving skills.
Ability to meet deadlines.
Must have excellent 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
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
Employee Ambassador preferred banking products
This position is eligible to earn a base salary in the range of $103,000 - $150,000 annually depending on job-related factors such as level of experience and location.
Salary : $103,000 - $150,000
