Portfolio Manager (C&I)
Location: Seal Beach, CA
Job Code: T44LC

The Portfolio Banker works closely with Relationship Managers and Regional Relationship Managers to evaluate the financial information and needs of prospective and existing borrowers. The Portfolio Banker is responsible for the gathering and analyzing credit information, for conducting extensive in-depth company, financial, and industry analysis, and performing due diligence to evaluate risk/return parameters of financing transactions as well as preparing Loan Worksheet Addendums and Speed Memo Addendums. The Portfolio Banker regularly interfaces with Clients, Relationship Managers, Regional Relationship Managers, Credit Administrators and Senior Management, and provides recommendations relating to credit extension decisions. Post loan boarding duties include following for financial reporting and financial covenant compliance and monitoring financial trends of borrowers and value of collateral. The Portfolio Banker is usually designated as the secondary point of contact for specific relationships and is to provide exemplary service to ensure customer satisfaction.

Duties
Must have very strong C&I experience. Analyze credit data, financial statements and pertinent information for credit worthiness to determine the degree of risk involved in extending credit. Spread financial statements and Federal income tax returns on CASH Insight of borrowers and guarantors. Analyze financial data such as revenue growth, profitability, cash flow, quality of management, and industry market share to determine expected repayment of loan. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. Prepares and presents credit reports to appropriate senior staff or committees for use in the making of lending decisions on new, renewal and extension loans. Monitor credit risk by periodically evaluating financial trends, credit bureau reports, pay habits, and other sources of information of the borrower and guarantor(s).

Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and updating all pertinent credit loan file information, and adherence to all loan agreements requirements including following for required financial reports and compliance with financial covenants. The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator ID issued through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.

Required Knowledge
• Regulation E (EFT)
• Bank Secrecy Act
• FDIC Insurance
• Privacy Laws
• Regulation BB (CRA)
• Regulation B (ECOA)
• Regulation X (RESPA)
• Regulation Z (Truth about Lending)
• Fair Credit Reporting Act
• UCC
• Deposit Products
• Investment Products
• Loan Products
• Loan Documentations
• Account Services
• Trust Services
• Bank Operations

Basic Knowledge, Skills and Abilities
• Judgment and Market Knowledge
• Time Management Skills
• Knowledge of Microsoft Office Products (Excel, Word, & Power Point)
• Clear understanding of the English Language (Spoken & Written)
• Advanced Mathematics Skills
• Telephone Skills
• Customer Service Skills
• Critical Thinking & Problem Solving Skills
• Ability to work independently
• Ability to actively listen & learn
• Ability to use oral communication techniques to sell products or services
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts

Education and Experience
• High School Diploma or equivalent required
• Bachelor’s degree (in Business, Accounting, Finance or related discipline is preferred but not required
• A minimum of 5-10 years of experience in field or related area with a strong emphasis on customer service, sales and credit portfolio management

Estimated salary range (DOE): $95K to $188K plus annual bonus, (possible signing bonus), medical, dental, vision, life, vacation, 401K

Email your resume in MS/Word format to Guyot@Bankers-Search.com

Or contact Keith Guyot at (310) 823-1400