AVP to VP Portfolio Banker
Location: Fullerton, CA
Job Code: YM428

The Portfolio Banker partners with Relationship Managers and the Regional Relationship Manager to evaluate the financial condition and credit needs of prospective and existing Commercial Real Estate (CRE) borrowers. This role is responsible for analyzing CRE financial statements, credit information, and supporting due diligence to assess the risk and return of financing opportunities.

The position requires experience in investor real estate underwriting and asset management, including preparation of credit memoranda and annual loan reviews. The Portfolio Banker supports the underwriting and structuring of complex loan products—such as bridge and construction loans—through analysis of rent rolls, borrower and property financials, cash flows, and valuations.

This role collaborates closely with clients, Relationship Managers, Credit Administration, and senior leadership to support credit approval and risk decisions. Post-closing responsibilities include monitoring financial reporting, covenant compliance, loan performance, and relevant market and property trends.

The Portfolio Banker typically serves as a secondary point of contact for assigned relationships and is expected to deliver a high level of service to support strong client relationships.

Key Responsibilities
• Analyze property financial statements and rent rolls, borrower and guarantor personal and business financial statements, and other relevant information to assess creditworthiness and risk.
• Spread financial statements and federal income tax returns for properties, businesses, borrowers, and guarantors using CASH Insight (or comparable systems).
• Monitor performance of the CRE loan portfolio by evaluating property cash flow, covenant compliance, and the financial condition of borrowers and guarantors.
• Analyze borrower and guarantor liquidity, profitability, and credit history, benchmark business performance against comparable industries and geographic markets.
• Prepare and present credit memoranda to senior management or credit committees in support of new, renewal, and extension loan decisions.
• Monitor credit risk through periodic review of financial trends, credit bureau reports, payment history, and other relevant risk indicators.
• Ensure compliance with Bank policy, regulatory requirements, and loan agreement terms by maintaining complete and current credit files and tracking required financial reporting and covenant compliance.
• Collaborate directly with clients to support relationship retention, new business opportunities, and the Bank’s reputation as a trusted CRE partner.

Required Knowledge
• Regulation E (Electronic Fund Transfers – EFT)
• Bank Secrecy Act (BSA) / Anti-Money Laundering (AML)
• FDIC deposit insurance requirements
• Privacy and data protection laws
• Regulation BB (Community Reinvestment Act – CRA)
• Regulation B (Equal Credit Opportunity Act – ECOA)
• Regulation X (Real Estate Settlement Procedures Act – RESPA)
• Regulation Z (Truth in Lending Act – TILA)
• Fair Credit Reporting Act (FCRA)
• Uniform Commercial Code (UCC)

Banking Products & Services
• Deposit products and account services.
• Loan products, including commercial and real estate lending.
• Loan documentation and servicing requirements.
• Investment products
• Trust services
• General bank operations

Knowledge, Skills and Abilities
• Sound judgment and market awareness.
• Strong time-management and organizational skills, with the ability to prioritize and manage multiple tasks.
• Proficiency in Microsoft Office, particularly Excel and Word.
• Clear and effective written and verbal communication skills in English.
• Strong analytical and mathematical skills.
• High level of attention to detail and accuracy.
• Effective telephone and interpersonal communication skills.
• Strong customer service orientation.
• Demonstrated critical thinking and problem-solving abilities.
• Ability to work independently as well as collaboratively.
• Ability to multitask and adapt in a fast-paced environment.
• Willingness and ability to actively listen and learn.
• Ability to communicate persuasively when discussing products or services.
• Ability to communicate respectfully and professionally with supervisors and colleagues.
• Demonstrated ability and willingness to collaborate in a team-oriented environment and contribute to shared goals.

Education and Experience
• Bachelor’s degree required with degree in Business, Accounting, Finance, or a related discipline preferred.
• Minimum 5–10 years of experience in a related field, with a strong emphasis on Commercial Real Estate underwriting and asset management, customer service, and credit portfolio management.

Estimated salary range (DOE): $90K to $175K plus annual bonus, (possible signing bonus), medical, dental, vision, life, vacation, 401K

Email your resume to Resume@Bankers-Search.com

or contact a Recruiter at (310-823-1400