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Special Assets Portfolio Manager - Sba job

Citizens Business Bank jobs

Company

Salary

Company Description

Citizens Business Bank is a bank that provides banking, lending, trust, and investment services for small to medium-sized businesses and individuals. The firm offers commercial lending, equipment & vehicle leasing, online banking, data management, estate planning, term lending, fraud prevention, and wealth management services. Citizens Business Bank operates in two business segments: Business Financial & Commercial banking center and Dairy, livestock & Agribusiness. The bank has been creating long-term banking relationships by focusing on its customers and achieving more for their business, employees, and communities. George A. Borba Sr. founded Citizens Business Bank in 1974, and its headquarter is based in Ontario, Canada. The bank provides competitive salary packages, paid vacations, and other perks to its employees.

Job Description

Special Assets Portfolio Manager - SBA

Location:
Ontario, CA

Notice of Vacancy #:
1717

Department:
Special Assets-458

Fusion Grade:
14

Description
Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top ranked bank, life at our company includes a working environment that thrives on collaboration, integrity, and mutual respect for one another. We encourage our associates to ask questions, learn, care deeply, and make an impact. Our dedication to customers and associates is at the core of our business culture and is represented by five core values: financial strength , superior people , customer focus , cost-effective operation , and having fun .

Special Assets Portfolio Manager - SBA

Summary

Reviews and analyzes prepare RCEs or other memos (as required) with updated financial, industry information as needed on potential problem loans for possible resolution. This is to include rehabilitation as well as, prevent, non-accrual, charge-off and foreclosure when ever possible. Portfolio Manager works closely with, Legal, Appraisal, and Accounting Firms when necessary and with outside agents (e.g., property manager, etc.). Negotiates loan restructure to protect the Banks principal and interest, while implementation of restructure and monitors ongoing loan performance and maximize recoveries while minimizing non-accruals and losses.

The Portfolio Manager is responsible for the collection and recovery, and management of past due and charged off commercial credits. The Portfolio Manager must ensure their portfolio management maximizes returns and collections, while at the same time helping certain customers to be restored to active and pass credit status through acceptable negotiation and collection activity. In addition, the colleague is to properly evaluating accrual and non-accrual issues.

Essential Duties & Responsibilities:

Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
Provide, present and promote The Citizens Experience to all external and internal customers.
Manages all forms of credit relationships from the less complex to the most complex credit relationships based on the mix of portfolio. This includes lease collections, mortgage portfolio, to the more complex problem commercial, commercial real estate and construction type loans
Evaluates and provides acceptably prepared written reports recommending strategies to rehabilitate or exit, where appropriate.
Maximize recovery and reduce losses from portfolios and properly evaluating accrual and non-accrual issues.
Prepares and reviews a variety of reports dealing with portfolio status, risk classification and proposed action plans, performance tracking, recommendations for charge-offs and other routine reports.
Ensures the timely recognition and reporting of changes in loan quality and risk to minimize the Banks exposure.
Manages their workflow in a way that allows the team member to perform acceptable review of the various types of R.E, and other asset appraisals as needed.
Consulting in a professional manner with other departments and bank management to help resolve issues both within and outside of Special Assets Department.
Lends support to other team members in the department when needed to help overall success. Negotiations with commercial loan customers in cases where the customers relationship with the Bank is at a serious juncture for rehabilitation and or exit and maybe more complex in nature. Can negotiate skillfully in all situation including tough situations with both internal and external groups; can settle differences with minimum noise and conflict; can win concessions without damaging relationships; can be direct and forceful as well as possess the understanding of when to be diplomatic to avoid unnecessary conflict within and outside the bank; gains trust quickly of other parties to the negotiations; has a good sense of timing.
Interfaces with branches and loan departments to detect loan problems early and to help recommend corrective action when requested to do so.
Uses acceptable discretion and refers to attorneys whenever special loan documents or confirmation of the Banks legal position is required.
Makes good decisions (as well as considers how much time it takes) based upon a mixture of both financial and economic analysis, wisdom, experience, and judgment; most of his/her solutions and suggestions turn out to be correct and accurate when judged over time; sought out by others for advice and solutions.
Can be effective and in a variety of formal and informal presentation settings, if necessary based on portfolio mix; one-on-one, small and large groups, with peers, bosses and executive management; is effective both inside and outside the organization, on both cool data and hot and controversial topics; can evaluate and know when to change tactics midstream when something isnt working.
Uses both common sense and rigorous logic as well as analytical methods to solve less complex as well as the more difficult problems with effective solutions; probes all acceptable sources for answers; can see hidden problems; is excellent at evaluation and providing financial analysis to include the use of financial spreads, personal tax analysis and providing written analysis that; looks beyond the obvious and doesnt stop at the first answers.
Can marshal resources (people, funding, material, and support) to get things done; can orchestrate multiple activities at once to accomplish a goal; uses resources effectively and efficiently; arranges information and files in a useful manner.
Has the functional and technical knowledge and skills to do the job at a high level of accomplishment. To include understanding of financial analysis, cash flow and personal tax analysis, loan structuring, and abilities to perform and evaluate and the rehabilitation and return to the line when possible or exit a relationship when required.
Provide, present and promote The Citizens Experience to all external and internal customers.
Other duties as assigned.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university; or a minimum seven (7) years related experience and/or training; or equivalent combination of education and experience.

Language Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills

To perform this job successfully, an individual should have knowledge of Outlook Internet software; Excel, Moody's Financial Analysis System Spreadsheet software and Word Processing software.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision and color vision.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Other Qualifications

Be able to evaluates the portfolio and provide written and narrative reports to management. The reports will require updated information on the status of the portfolio to comply with internal policies and procedures. Bachelors degree in Business, Accounting, Finance, Economics or equivalent experience. Minimum of 7 years lease, small business, commercial/corporate, commercial real estate, construction or workout lending experience. Thorough working knowledge of analysis of corporate, small business, personal, financial statements and commercial/corporate structure is required. Requires thorough knowledge of appropriate banking laws, regulations and bank policies and practices. Performs other duties as requested.

Citizens Business Bank is an Equal Opportunity, Affirmative Action Employer. Minorities, women, veterans, and individuals with disabilities are encouraged to apply. We provide equal opportunity in all employment matters without regard to race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, age, genetic information, national origin, veteran status or any other status protected by federal, state, or local law, for all qualified applicants and Citizens Business Bank associates.
Estimated annual salary
$82,700
average
Minimum
$77,169
Maximum
$109,037

Citizens Business Bank

Type

Company - Public

Size

Medium

Revenue

$100M to $500M

Location

Multiple locations

Industry

Banking/Mortgage

Founded

1974

CEO

Christopher D. Myers

Job Filters

FILTER JOBS
AML System OfficerCitizens Business BankRancho Cucamonga, CA
GENERAL PURPOSE OF THE JOB The AML System Officer reports to the BSA Compliance Manager of the subject of the Bank Secrecy Act and the Office of Foreign Assets Control (OFAC) and the respective requirements pertaining to administering the Bank’s BSA...Read more
Relationship ManagerCitizens Business BankOntario, CA
#1 BANK in the COUNTRY - 3 years running! The ideal candidate will be responsible for gaining a deep understanding of the clients' business objectives and challenges and creating strategic recommendations based off of this understanding. LEAD PORTFOLIO...Read more
Credit AnalystCitizens Business BankOntario, CA
Credit Analyst - Ontario Summary The role of the Credit Analyst is to provide basic credit analysis in support of the lending function across the Bank including, but not limited to, (i) spreading of financial statements, (ii) tax analysis, (iii) compliance...Read more
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Credit Administrator (Burbank/Ontario) ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job. Provide, present and promote The Citizens...Read more
Assistant Vice President - Portfolio OfficerCitizens Business BankBurbank, CA
CITIZENS BUSINESS BANK - The #1 MOST Successful California-Founded Bank in History! Ultra High Net Worth Clientele As a Portfolio Officer you will--- Be responsible for providing administrative and clerical duties to support to officers and customers...Read more

Closed Job Filters

FILTER JOBS
Portfolio ManagerCitizens Business BankChino, CA
Summary Makes and services a wide variety of secured and unsecured loans or lines of credit, most of which involve large amounts of money and important customers. The Portfolio Manager is responsibleRead more
SVP, Asset Based Lending ManagerCitizens Business BankOntario, CA
Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top rankedRead more
Merchant Service RepresentativeCitizens Business BankPomona, CA
Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top rankedRead more
Bankcard Operations AssistantCitizens Business BankRancho Cucamonga, CA
Summary The Bankcard Operations Assistant is responsible for providing sales support and pricing analysis to the Centers for existing and prospective merchants, opening and maintaining new accounts,Read more
Service Representative IICitizens Business BankManhattan Beach, CA
SUMMARY Provides prompt, efficient, and friendly service. Responsible for any combination of the following transactions: check cashing; deposits; withdrawals; consumer, real estate, and commercialRead more
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