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Tri Counties Bank · 2 hours ago

Senior Portfolio Manager

Fresno, CA

Full-time

Onsite

Mid, Senior Level

$115K/yr - $142K/yr

7+ years exp

Tri Counties Bank is a financial institution established in 1975, known for its commitment to community engagement and responsible lending practices. The Senior Portfolio Manager will be responsible for the growth and retention of assigned portfolio clients, collaborating with the Commercial Banking Regional Manager to deepen and grow portfolio relationships while managing credit facilities to maximize income and return on assets.

BankingFinanceFinancial Services

Responsibilities

Serve as primary contact for assigned Commercial or Business complex relationships across the Banks’ footprint, to proactively retain and expand through regular contact

Facilitate underwriting for annual reviews, renewals and expansion relationships within portfolio

Monitor the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management

Maintain a complex loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy

Recommend and model appropriate loan structure for expanding relationships

Ensure all documentation necessary for completion of loan package is acquired

Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise

Conduct quarterly, semi-annual, or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions

Participate in research, preparation and understanding customer relationship and changes in the industry

Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture

Identify referral opportunities and introduces other business lines

Perform duties alongside Credit Administration associated with commercial banking relationships by analyzing financial data to determine the merits of specific loan requests and recommend structure as well as aggressively managing the customer relationship

Review of credit risk rating and borrower/guarantor analysis

Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations

Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties

Qualification

Financial analysisCredit trainingLoan underwritingBusiness acumenFinancial statement analysisPresentation skillsCustomer service skillsCommunication skillsInterpersonal skillsTeam oriented