Commercial Portfolio Manager CA or NV (In-Office)

Did you know that Zions Bancorporation is one of the nations premier financial services companies with total assets exceeding $70 billion With local management teams at the helm in 11 western states Zions is dedicated to making a difference in their local communities. At Zions we havent forgotten who keeps us in business meaning were committed to the success of our customers and our employees. Here the possibilities are endless come for a job stay for a career. This is an in-office role with offices being located in California and Nevada.

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 underwritingfor new renewal and modification commercial loan requests ensuring alignment with the banks 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.

2. Portfolio Management & Risk Mitigation

• Proactively manage and service an assigned portfolioof 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.

3. Relationship Management & Business Development Support

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

4. Compliance & Operational Excellence

• Ensure strict compliancewith 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:Bachelors degree in Finance Accounting Economics or a related field combined with8 yearsof 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 ofcommercial 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 supportedcredit memorandumsfor 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 modernLoan Origination Systems (LOS) and advanced spreadsheet modeling.

Benefits:

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 $110963 to $150000 depending on experience

Mental health benefits including coaching and therapy sessions

Tuition Reimbursement for qualifying employees

Employee Ambassador preferred banking products

Employees may at the companys discretion be eligible to receive a cash bonus award

Required Experience:

Manager