Columbia Bank · 2 days ago
Client Solutions Manager
Modesto, CA
Full-time
Onsite
Mid, Senior Level
4+ years expColumbia Bank is seeking a Client Solutions Manager who will be responsible for credit and risk monitoring as well as managing the Credit Review workflow. The role involves engaging with commercial bankers and clients to develop and grow business relationships while identifying additional loan and deposit opportunities.
BankingFinanceFinancial Services
Responsibilities
Responsible for credit/risk monitoring; Credit Review (CR) workflow management & prioritization; and engagement with underwriting, Quality Assurance, and Quality Control partners
Leads (or co-leads) identification of opportunities to cross-offer additional solutions that would benefit the client, increase penetration-rates of products & services for the Bank
Leads (or co-leads) partner collaboration & coordination for holistic team approach
Assists Commercial Bankers with portfolio management, partner collaboration, and client-engagement to develop and grow new and existing commercial business relationships
The Client Solutions Manager (CSM) is a second, primary touch-point between Bank and Client
Responsible for identifying additional loan, deposit, and core fee income opportunities (products; services; solutions) for new and existing commercial clients to add/deepen value to the client; drive additional revenue growth; establish/maintain complete banking relationships; bolster client experience and satisfaction
Reports to Market Manager
Utilize existing financial/market information and Relationship Expansion Tool, to identify additional products/services that would satisfy client needs and establish/deepen complete relationships
Makes recommendations on loan structure & terms and refers these issues to the next appropriate level of authority
Analyzes credit to determine the ability of customers and prospective customers to qualify for borrowing requirements
Uses qualitative and quantitative information to uncover potential client needs and proposes to deepen relationships accordingly
Partner with the Commercial Banker as the second, primary point of contact for the client
Attends meetings with clients; focus on expanding mature relationships by assessing client needs
Acts as a liaison to the Core Fee Income business partners, Credit Department, the Commercial support staff and other internal business partners
Ensures client is approved for all ancillary products and services
Perform 30% of time on direct relationship expansion sales-activities, consulting with Commercial Banker
Achieves individual annual production and growth goals (relationship expansion) for loans, deposits and core fees to ensure the bank meets its overall financial targets and balanced-growth objectives
Achieves Portfolio Management goals by ensuring proper adherence to proper risk-mitigation practices
Develop a comprehensive understanding of client’s needs and future needs based on the review and analysis of personal, business, financial, and market data gathered through relationship reviews, client engagement, market research, and partner collaboration
Participates in ongoing relationship reviews with all clients
Manage client’s additional credit requests, renewals and reviews
Manage and monitor commercial loan portfolio and commercial relationships by analyzing financial data & information to determine the merits of specific loan requests
Accountable for application and underwriting quality
Involved in documentation review
Collaborate with Commercial Banker to make formal recommendations and presentations to Commercial Relationship Manager and Credit Administration
Ensure the loan portfolio is properly risk rated
Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines
Management of CR workflow & prioritization; engagement with underwriting, QA, QC, and CQA partners accordingly
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training
Keeps up to date on regulation changes
Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training
Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description
May be asked to coach, mentor, or train others and teach coursework as subject matter expert
Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words
Takes personal initiative and is a positive example for others to emulate
Embraces our vision to become the 'Business Bank of Choice.'
May perform other duties as assigned
Qualification
Required
Bachelor's Degree in Finance, Accounting, or Business (preferred)
4-7 years of relevant commercial banking and/or prior experience as a Commercial Portfolio Manager and/or Commercial Underwriter
Proven knowledge of commercial underwriting, agriculture, credit monitoring, and portfolio management
Possess strong underwriting, credit monitoring and portfolio management skills
Proven relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit and credit quality skills
Strong credit acumen including but not limited to: loan structuring, concise underwriting, appropriate risk identification & mitigation, and ongoing risk & relationship management of a commercial portfolio
Advanced understanding of credit policy and procedures and can accurately determine risks of loans/credits; and evaluate both cash-flow and collateral-based loans/credits
Knowledge of commercial bank products and services that results in successfully capitalizing on all opportunities to cross-offer the bank's solutions to the client's benefit
Excellent verbal, written, interpersonal, and presentation skills
Ability to communicate effectively with small and large audiences; often includes presentations to customers at a high level (i.e. CFO, CEO, and other Executive levels)
Ability to work effectively with individuals and groups across the company to manage customer relationships
Ability to partner with team and engage in client-facing service and sales activity
Proficiency with personal computers and software packages, including MS Excel, Word, PowerPoint
Benefits
Comprehensive healthcare coverage (medical, dental, and vision plans)
401(k)-retirement savings plan with employer match for qualifying associate contributions
Employee assistance program
Life insurance
Disability insurance
Tuition assistance
Mental health resources
Identity theft protection
Legal support
Auto and home insurance
Pet insurance
Access to an online discount marketplace
Paid vacation
Sick days
Volunteer days
Holidays
Company
Columbia Bank
Columbia Bank is a provider of personal and business banking services.
1001-5000 employees
Funding
Current Stage
Late StageTotal Funding
unknown2020-06-01Acquired
Leadership Team
Kelly Kelly
VP, Human Resources Business Partner
Todd Leber
Chief Commercial Banking Officer
Recent News
2025-12-20
2025-12-16
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