Commercial Portfolio Manager – 1354229

Bakersfield, CA


As a Commercial Lending Portfolio Manager, you will have primary responsibility for the growth and retention of assigned portfolio clients and collaborating with Relationship Managers 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.


• Primary contact for assigned Commercial or Business relationships across the bank’s footprint, to proactively retain and expand through regular contact. 

• Monitors and assists 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.

• Recommends and models appropriate loan structure for expanding relationships.

• Ensures all documentation necessary for completion of loan package is acquired.

• Coordinates with appropriate business partner, RVP or Relationship Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.  

• Conducts quarterly, semi-annual or annual business reviews, working closely with business partners, Branch Manager or Relationship Manager for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.

• Actively participates in research, preparation and understanding customer relationship and changes in the industry. 

• Understands the Bank’s products and services and support Tri Counties’ strong Service with Solutions culture.

• Proactively identifies referral opportunities and introduces other business lines.


• Strong business acumen and ability to prepare and present business review.

• 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.


• Bachelor’s Degree in Accounting, Finance or Business Administration

• Financial analysis experience and credit training

• 5 or more years of related experience required within financial industry

• Exceptional communication and analytical skills

• 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


2+ to 5 years experience

Seniority Level – Mid-Senior

Management Experience Required – No

Minimum Education – Bachelor’s Degree

Willingness to Travel – Occasionally

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