Portfolio Manager or Senior Portfolio Manager
Tri Counties Bank, Visalia, CA, United States
Portfolio Manager Or Senior Portfolio Manager
Come to work for a company you can be proud to represent...and enjoy fantastic, comprehensive benefits. The hiring range for this opportunity is $85,000 to $150,000 annual salary along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience. POSITION SUMMARY - Portfolio Manager I Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen and retain portfolio relationships. Through the cross-selling of the Bank's products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitating of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA. POSITION SUMMARY - Senior Portfolio Manager Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen, retain and grow portfolio relationships. Through the cross-selling of the bank's products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitation of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA. MAJOR RESPONSIBILITIES - Portfolio Manager I Serve as primary contact for assigned Commercial or Business relationships across the Bank's footprint, to proactively retain and expand through regular contact. Monitor and assist with the relationships' profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management. Maintain a 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 or 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 introduce other business lines. MAJOR RESPONSIBILITIES - Senior Portfolio Manager 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. OTHER RESPONSIBILITIES - Portfolio Manager I and Senior Portfolio Manager Strong business acumen and ability to fully analyze and underwrite all types of loans. Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance. 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. EDUCATION, EXPERIENCE AND SKILLS - Portfolio Manager I High school diploma required; bachelor's degree in accounting, finance or business administration, recommended. 3 years of related experience required within financial industry. Financial analysis experience and credit training, required. Strong business acumen and ability to fully analyze all types of loans. Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance. Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy. Effective presentation skills to C-Suite executives and organizations. Experience with financial analysis programs and discounted cash flow models. Good interpersonal skills, team oriented, and strong customer service skills EDUCATION, EXPERIENCE AND SKILLS - Senior Portfolio Manager All listed previously and: 7 years of related experience required within financial industry. Strong business acumen and ability to fully analyze and underwrite all types of loans. *Full job descriptions available upon request. COMPANY PROFILE: Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California with corporate offices in Roseville, South San Francisco, and Bakersfield, with assets of nearly $10 billion and 50 years of financial stability. Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide. As California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members. Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.
Come to work for a company you can be proud to represent...and enjoy fantastic, comprehensive benefits. The hiring range for this opportunity is $85,000 to $150,000 annual salary along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience. POSITION SUMMARY - Portfolio Manager I Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen and retain portfolio relationships. Through the cross-selling of the Bank's products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitating of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA. POSITION SUMMARY - Senior Portfolio Manager Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen, retain and grow portfolio relationships. Through the cross-selling of the bank's products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitation of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA. MAJOR RESPONSIBILITIES - Portfolio Manager I Serve as primary contact for assigned Commercial or Business relationships across the Bank's footprint, to proactively retain and expand through regular contact. Monitor and assist with the relationships' profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management. Maintain a 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 or 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 introduce other business lines. MAJOR RESPONSIBILITIES - Senior Portfolio Manager 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. OTHER RESPONSIBILITIES - Portfolio Manager I and Senior Portfolio Manager Strong business acumen and ability to fully analyze and underwrite all types of loans. Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance. 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. EDUCATION, EXPERIENCE AND SKILLS - Portfolio Manager I High school diploma required; bachelor's degree in accounting, finance or business administration, recommended. 3 years of related experience required within financial industry. Financial analysis experience and credit training, required. Strong business acumen and ability to fully analyze all types of loans. Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance. Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy. Effective presentation skills to C-Suite executives and organizations. Experience with financial analysis programs and discounted cash flow models. Good interpersonal skills, team oriented, and strong customer service skills EDUCATION, EXPERIENCE AND SKILLS - Senior Portfolio Manager All listed previously and: 7 years of related experience required within financial industry. Strong business acumen and ability to fully analyze and underwrite all types of loans. *Full job descriptions available upon request. COMPANY PROFILE: Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California with corporate offices in Roseville, South San Francisco, and Bakersfield, with assets of nearly $10 billion and 50 years of financial stability. Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide. As California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members. Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.