Commercial Portfolio Manager - San Diego or Irvine, CA (In-Office)

The ideal candidate for the Commercial Portfolio Manager position will have the skills and experience necessary to fulfill the following responsibilities and qualifications\:

Responsibilities\:

1. Credit Underwriting & Risk Analysis

• Execute comprehensive credit underwriting for new, renewal, and modification commercial loan requests, ensuring alignment with the bank’s credit policy and regulatory standards.
• Conduct financial analysis, including spreading corporate and personal financial statements, tax returns, and cash flow modeling (such as DSC, global cash flow, and sensitivity analysis).
• Prepare credit presentations, clearly evaluating borrower financial performance, industry risk and trends, risk mitigants, and collateral adequacy for presentation to Credit Administration.

1. Portfolio Management & Risk Mitigation

• Proactively manage and service an assigned portfolio of existing commercial relationships, maintaining asset quality and minimizing credit risk.
• Execute ongoing portfolio management, including completing annual loan reviews, validating and tracking reporting and financial covenants, updating credit risk grades, and resolving collateral or documentation exceptions.
• Monitor delinquency and past-due reports, taking action to address early-warning signs of credit deterioration, and partnering with Special Assets or senior credit leadership when necessary.

1. Relationship Management & Business Development Support

• Partner with Commercial Bankers to identify loan opportunities and to help with structuring and pricing credit facilities.
• Prepare preflight summaries and facilitate discussions with Credit Administration to gauge risk appetite early in the deal cycle.
• Serve as a knowledgeable secondary point of contact for clients, delivering exceptional customer service and assisting in expanding, building, and retaining key commercial relationships.

1. Compliance & Operational Excellence

• Ensure strict compliance with all internal banking policies, credit guidelines, and federal and state lending regulations.
• Perform other strategic duties, project-level risk assessments, or departmental tasks as assigned to support overall business line objectives. Qualifications\:
• Education & Experience\: Bachelor’s degree in Finance, Accounting, Economics, or a related field, combined with 8+ years of experience in commercial lending, underwriting, credit analysis, and portfolio or relationship management. An equivalent combination of education and directly related corporate banking experience may be considered.
• Credit & Risk Analysis\: Advanced knowledge of commercial loan types, credit analysis and underwriting, including the analysis of financial statements, cash flow analysis, collateral valuations, risk-rating methodologies, and loan documentation.
• Financial Spreading\: Proven expertise in spreading business tax returns and financial statements, and personal tax returns and personal financial statements of guarantors.
• Regulatory & Policy Compliance\: Comprehensive knowledge of federal and state banking regulations, commercial lending procedures, and strict adherence to internal credit policies.
• Portfolio Management\: Demonstrated ability to manage a diverse commercial loan portfolio proactively and to monitor covenant compliance, perform annual reviews, and mitigate credit risk.
• Communication\: Excellent written and verbal communication skills, with a proven track record of transforming complex financial data into concise, and well supported credit memorandums for presentation to Credit Administration.
• Problem-Solving Skills\: Strong analytical and strategic problem-solving skills, with the ability to structure complex commercial credit facilities under tight deadlines
• Systems Proficiency\: High proficiency in advanced financial spreading software, modern Loan Origination Systems (LOS), and advanced spreadsheet modeling.

Benefit

• 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 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Salary range for this position is $110,963 to $150,000 depending on experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees