Senior Portfolio Manager

Come join a company you can be proud to represent.

The hiring range for this opportunity is $115,000 to $142,500 per year along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

Position Summary

Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen, retain and grow portfolio relationships. Through the cross-selling of the bank’s products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitation of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA.

Major Responsibilities

• Serve as primary contact for assigned Commercial or Business complex relationships across the Banks’ footprint, to proactively retain and expand through regular contact.
• Facilitate underwriting for annual reviews, renewals and expansion relationships within portfolio.
• Monitor the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management.
• Maintain a complex loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
• Recommend and model appropriate loan structure for expanding relationships.
• Ensure all documentation necessary for completion of loan package is acquired.
• Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.
• Conduct quarterly, semi-annual, or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.
• Participate in research, preparation and understanding customer relationship and changes in the industry.
• Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture.
• Identify referral opportunities and introduces other business lines.
• Perform duties alongside Credit Administration associated with commercial banking relationships by analyzing financial data to determine the merits of specific loan requests and recommend structure as well as aggressively managing the customer relationship.
  
  
  

Other Responsibilities

• Review of credit risk rating and borrower/guarantor analysis.
• Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations.
• Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.
  
  
  

Education, Experience And Skills

• High school diploma required; bachelor’s degree in accounting, finance or business administration, recommended.
• 7 years of related experience required within financial industry.
• Financial analysis experience and credit training, required.
• Strong business acumen and ability to fully analyze and underwrite all types of loans.
• Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.
• Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy.
• Effective presentation skills to C-Suite executives and organizations.
• Experience with financial analysis programs and discounted cash flow models.
• Good interpersonal skills, team oriented, and strong customer service skills.
  
  
  

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California, with assets of nearly $10 billion and more than 45 years of financial stability. Tri Counties Bank provides a unique brand of Service With Solutions® for communities throughout California with a breadth of personal, small business and commercial banking services, plus an extensive branch network, more than 37,000 surcharge-free ATMs nationwide, and advanced online and mobile banking.

Tri Counties Bank remains strong and profitable through our top-down commitment to our core values, sound business principles and responsible lending practices.

Our success is also based on our community engagement. We still believe in the vision of the helpful and caring community banker. As we grow and serve more communities, we become more involved, providing substantial financial and volunteer support to local economies and community organizations. We applaud our employees who roll up their sleeves to work and volunteer for a greater good in our communities.

Tri Counties Bank hires individuals who are qualified for the role and who represent the communities in which we serve. We look to place people in positions where they can best utilize their abilities and strengths, and where they are able to grow with the Bank.

Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Disability/Veteran.