Sr. Manager, Portfolio Management

Zions Bank recognizes that its success comes from the dedication, experience and talents of its diverse employee base. As we usher in the next generation of banking, we’re committed to being the premier employer of choice. We’re proud to have ranked among American Banker magazine’s “Best Banks to Work For” almost every year since 2013, as Best Employer from Utah’s Best of State, among the Best Places to Work in Idaho, and “among the Salt Lake Tribune’s Top Workplaces. Make the leap into a new era of banking. Let us transform your career.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is committed to career growth and advancement. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

Key Responsibilities:

• Manages a team of Portfolio Managers that manage and service portfolio loan relationships.
• Ensures the team expands and builds relationships with a high degree of resultant customer satisfaction.
• Responsible for the teams’ overall loan structuring and monitoring of credit performance. May function as a back-up for other Portfolio Managers as needed.
• Responsible for evaluating credit risk and forming opinions for approving or denying loan applications according to set bank standards in a timely manner. Ensures information gathered is appropriate to make sound decisions, including spreading and analyzing financial statements, addressing industry risks and mitigants, collateral requirements, loan structuring and pricing, credit analysis including validation of various underwriting models.
• Has overall responsibility for policy exception identification, monitoring credit performance and completing loan presentations including new commitments, modifications, and renewals.
• Recommends exceptions based on findings. May have the authority to structure loans outside the organization's loan policies. Responsible for risk rating assessments and periodic relationship reviews.
• Consults with clients and internal banking relationship managers to develop objectives, providing advice and counsel.
• Makes presentations to clients and external audiences regarding products and services as needed. Keeps abreast of new laws and regulations related to commercial and business banking loans. Expands, builds and maintains client relationships, providing the highest level of customer service.
• Responsible to hire, fire and performance management for staff.
• Other duties as assigned

Qualifications:

• Requires a Bachelor's degree in finance, business or a related field and 10 years of commercial and business banking loans, credit, loan structuring, portfolio management and banking or other directly related lending experience.
• Managerial or supervisory experience required. A combination of education and experience may meet requirements.
• Extensive, in-depth knowledge of loans, portfolio management, credit analysis, underwriting, loan structuring, loan processing and closing processes and procedures. Consistently utilizes in-depth knowledge of loan risk, laws and regulations with the ability to expand loan portfolios and client relationships.
• Excellent management, problem solving and analysis skills.
• Must have exceptional interpersonal and communication skills, both verbal and written.
• Ability to manage, lead and mentor a team of relationship managers.
• Must be able to meet and interact with all levels of employees and managers.
• Excellent relationship building and leadership skills.
• Proficient with Microsoft Project, Word, PowerPoint, Excel and other office software.
• Applies highly advanced concepts in decision-making and problem-solving activities.