Portfolio Manager - Tech and Life Sciences San Francisco

About the position

The Senior Portfolio Manager independently manages a portfolio of complex customer relationships to ensure ongoing profitability and complete conformity with credit terms. This role involves ensuring the sale of additional financial services and maintaining an in-depth understanding of commercial, economic, and financial circumstances that impact customers. The manager coordinates with key internal partners to support the servicing of the existing customer base.

Responsibilities

• Retain and manage existing loan portfolio taking ownership of all reviews and renewals for existing credit customers.
• Formulates an opinion of whether such relationships continue to be an acceptable risk.
• Decides loan terms and conditions if within own credit limits or makes recommendations to appropriate authority.
• Develops and maintains direct relationships with customers including a calling/contact effort with a target of minimum in-person contact of 2x per year.
• Provide oversight and guidance to credit support in underwriting for renewals and reviews.
• Work with counsel to negotiate loan documentation.
• Assist Corporate Finance on CMA led syndications.
• Provide qualitative input for RECAP creation.
• Works in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable.
• Coordinate with Loan Closers to facilitate closing of renewals or amendments.
• Adheres to Risk Management policies and guidelines, i.e. regulatory compliance, portfolio and credit quality, and portfolio management.
• Assists with monitoring existing loans to ensure compliance with terms of loan agreement and recommends corrective action on variances.
• Identify & resolve operational and credit issues with loans held in portfolio.
• Manage all non-loan credit and product risk products for existing clients, including treasury approvals and documentation.
• Management of ad hoc and regulatory reporting within existing portfolio.
• Monitor, track, and assist in the collection of past due loan payments, exceptions, overdrafts, and maturing loans.
• Provide day-to-day servicing of portfolio including credit risk monitoring.
• Conduct interviews to develop information concerning the nature of the customer's business, financing or other needs.
• As appropriate, may provide informal team leadership responsibilities in support of the GM.
• Identify and close appropriate incremental financial solutions with the goal of retention and expansion.
• Promotes public bank image by being involved in meaningful community and business development activities.

Requirements

• Bachelor's degree from an accredited university.
• Completion of a formal credit training program.
• 4 years of commercial underwriting, credit and/or lending experience or 7 years of experience in Lending or Credit for Vice President, Portfolio Manager III.
• 7 years of commercial underwriting, credit and/or lending experience or 10 years of experience in Lending or Credit for Vice President, Portfolio Manager IV.

Benefits

• Health and welfare programs.
• Strong retirement benefits.
• Generous paid time off programs.
• Medical, dental, and vision benefits.
• 401(k) and pension.
• Income protection benefits such as life insurance, AD&D, and supplemental health programs.