Commercial Portfolio Manager - San Diego or Irvine, CA (In-Office)

Did you know that Zions Bancorporation is one of the nation's 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 haven't forgotten who keeps us in business, meaning we're 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 Irvine or San Diego, California.

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 underwriting for new, renewal, and modification commercial loan requests, ensuring alignment with the bank's 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 portfolio of 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 Bankers to identify loan opportunities and to help with structuring and pricing credit facilities.
• Prepare preflight summaries and facilitate discussions with Credit Administration to gauge risk appetite early in the deal cycle.
• Serve as a knowledgeable secondary point of contact for clients, delivering exceptional customer service and assisting in expanding, building, and retaining key commercial relationships.

4. Compliance & Operational Excellence

• Ensure strict compliance with 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: Bachelor's degree in Finance, Accounting, Economics, or a related field, combined with 8+ years of 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 of commercial 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 supported credit memorandums for 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, modern Loan 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 $110,963 to $150,000 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 company's discretion, be eligible to receive a cash bonus award