Application Deadline:
05/03/2026
Address:
2623 Camino Ramon
Job Family Group:
Commercial Sales & Service
This position is a key member of the Bank's Commercial Real Estate group, collaborating with Relationship Managers to deliver well-structured loan solutions for commercial real estate customers across the U.S. The Portfolio Manager is responsible for preparing well-reasoned credit proposals in accordance with sound credit-granting principles and in compliance with Bank policy & procedures. This role is also responsible for monitoring the performance of an assigned portfolio of customers, ensuring that all reviews / renewals of loans are reviewed / re-documented in a timely manner (as necessary).
- Credit Assessment & Risk Management (40%)
- Client Performance / Portfolio Management (35%)
- Sales Support and Partnership (25%)
Credit Assessment & Risk Management
- Operate as key member of the deal team to analyze and prepare lending proposals, provide loan structuring expertise and identify opportunities to maximize penetration and returns.
- Provide accurate financial analysis and oversight of assigned portfolio of customers as well as new customers.
- Evaluate appropriate loan structure with respect to ability to repay, collateral and ownership.
- Prepare and present credit applications to Credit Officers to obtain necessary credit approvals.
- Negotiate loans with clients.
- Protect the Bank's assets and maintain quality of portfolio, ensuring credit proposals and security valuations are in accordance with sound credit-granting principles and in compliance with the Bank's policies and related procedures.
Client Performance/ Portfolio Management
- Actively manage assigned portfolio to maximize return and credit quality.
- Prepare concise, well-reasoned credit correspondence.
- Responsible for monitoring covenants of clients within assigned portfolio. Identify deteriorating credit conditions and compliance with loan agreements.
- Ensure that loan renewals, annual reviews and high-risk loan monitoring are completed on a timely basis.
- Oversee documentation and ongoing monitoring of asset and client performance.
Sales Support and Partnerships
- Provide exceptional customer service to clients.
- Maintain contact and attend meetings with lending clients in conjunction with Relationship Managers.
- Collaborate with Relationship Managers to generate ideas, identify client solutions, pursue marketing efforts, cover clients, and deliver timely solutions.
- Collaborate closely with deal team members across functions - including deal specialist, legal and Credit - to analyze, structure, and execute transactions. Communicate effectively to ensure alignment and consistency in underwriting approach and investment rationale.
- Assist Relationship Managers with preliminary screening and underwriting of loan packages.
- Work with Treasury / Capital Markets / Wealth specialists as needed to support cross-sell opportunities.
- Increase share of wallet with customer by identifying cross-sell opportunities or enhance existing services by recommending, credit, deposit, cash management, etc.
- Maintain awareness of all firm products and services offered and facilitate means of receiving continuous updates.
- Coach and mentor junior team members by providing guidance, feedback, and support to build technical skills, analytical thinking, and industry knowledge. Help cultivate a learning environment that fosters professional growth and ownership.
Knowledge:
- An undergraduate degree, preferably in finance, economics, accounting, or real estate.
- Completion of a major corporate credit training program (or equivalent experience) and prior lending authority.
- 7 or more years of underwriting and portfolio management experience, preferably in a commercial real estate lending environment for loan sizes > $15MM.
- In-depth understanding of commercial banking products, commercial real estate lending, loan structuring, legal documentation, and all supporting processes and technology.
- Deep understanding of commercial real estate (CRE) underwriting principles, including asset valuation, market risk assessment, analysis of investment property cash flows (construction, value-add, and stabilized), commercial rent rolls, commercial leases, third party reports and deal structuring across property types (multifamily, industrial, office, retail, land).
- Experience underwriting transactions for or in partnership with institutional real estate investors such as REITs, pension funds, life insurance companies, family office or private equity sponsors.
- Prior underwriting experience in home builder financing, including A&D (Acquisition & Development), vertical construction financing, and revolving credit facilities for public and private home builders, is preferred but not required.
- Assess guarantor financial strength by analyzing personal and corporate financial statements, liquidity, contingent liabilities, cash flow, and net worth t