Commercial Portfolio Manager - Sacramento, CA

California Bank & Trust
Sacramento, California
Jun 19, 2024
Aug 22, 2024
Commercial Banking
Full Time
Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.    

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register . Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards. 

We are looking for a Portfolio Manager in Sacramento , CA . This role focuses on identifying appropriate lending opportunities, soliciting, and developing all types of business activity, specializing in commercial loans and participates in the development of overall commercial loan objectives, policies and practices.

Essential Functions

  • Responsible for managing and servicing a portfolio of existing loan relationships.
  • Responsible for expanding and building relationships resulting in excellent customer satisfaction.
  • Responsible for ensuring financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
  • Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.
  • Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
  • Assists bankers with new and existing loan requests and other special projects.
  • Senior level may manage Analysts and Loan Specialists.
  • Other duties as assigned.


  • Requires a bachelor's degree in Finance, Business or other related field and 4+ years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.
  • Working knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.
  • Knowledge of banking products, services, policies, procedures and regulations.
  • Strong credit skills in underwriting, financial modeling, valuations and adherence to policy.
  • Requires strong customer service, relationship, organizational, analytical and creative problem-solving skills.
  • Ability to meet deadlines.
  • Must have strong communications skills, both verbal and written.
  • Knowledge of various software applications including word processing and spreadsheets.


  • Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE! 
  • 401(k) plan, competitive compensation in line with work experience.
  • Most roles eligible for sales bonuses + monthly incentives and/or annual discretionary bonus, some roles include mileage + travel time pay, and/or parking waivers (must meet eligibility requirements
  • Paid Training, Paid Vacation, Paid Holidays, and promotional opportunities offered from within
  • Tuition Reimbursement for qualifying employees
  • Stable Employer, we are a division of Zions Bancorporation and included in the S&P 500 & NASDAQ Financial 100 indices.

This position is eligible to earn a base salary in the range of $80,000 - $150,000 annually depending on job-related factors such as level of experience.