Commercial Portfolio Manager II

The Commercial Portfolio Manager is responsible for managing, servicing, and growing a portfolio of commercial and business banking relationships within the Bay Area. This role supports the ongoing financial performance and credit quality of a mature portfolio through disciplined servicing, risk management, and consultative sales processes.

The incumbent proactively identifies client needs, recommends appropriate banking products and solutions, and partners with internal specialists to deliver comprehensive financial strategies. By building trusted, longterm client relationships aligned with the Bank's core values, the Portfolio Manager delivers meaningful value to clients while driving revenue growth, portfolio retention, and overall relationship profitability.

• Portfolio Management - Monitors portfolio for completeness of documentation, accuracy of credit grading, and potential exposures. Processes line renewals and new requests as per loan approval servicing requirements. Performs other tasks related to the servicing and management of assigned portfolio.
• Client Service - Maintains ongoing communication and contact with assigned commercial and business loan clients. Fortifies relationships and monitors client satisfaction. Conducts a needs assessment session at least once a year to identify additional banking or financial needs.
• Sales - Sells Bank loans and deposits through a variety of sales techniques. Focuses on relationship-bases sales, consulting closely with clients to determine and meet their financial needs. Generates referrals from existing clients and business networks.
• Collections - Monitors loans for payment status. Works with delinquent clients to collect past due payments.

Bachelor's Degree and 8 years of experience in Credit Analysis and Credit Underwriting OR High School Diploma or GED and 12 years of experience in Credit Analysis and Credit Underwriting

Preferred Qualifications: credit analysis skills, underwriting, and servicing business and commercial loans

The base pay for this position is generally between $150,000 and $190,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.