Real Estate Portfolio Manager - Irvine, CA

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune Orange County Register.

Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

• Underwrite new originations and portfolio exposures for a broad range of CRE asset classes.
• Analyze borrower financials, property cash flows, collateral valuation, sponsor strength, covenant sensitivities, and market conditions
• Prepare clear, comprehensive written credit analyses and supporting documentation
• Execute straightforward credit requests for existing clients with limited supervision
• Assist with annual company‑wide credit reviews for clients with multiple property holdings, including analysis beyond bank‑financed properties

• Support both existing property transactions (including refinancings) and ground‑up construction projects, including budget monitoring and monthly construction draw reviews through project completion
• Assist with new deal originations, evaluating opportunities with typical transaction sizes of $24–$40 Million.
• Participate in the preparation and negotiation of term sheets, as applicable

• Support Relationship Managers in managing an assigned portfolio of commercial real estate client relationships
• Perform accurate and consistent spreading of borrower financial statements in accordance with bank standards and credit policies
• Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing
• Maintain compliance monitoring and financial reporting databases, including tracking credit agreement requirements, borrower financial receipt, and key credit metrics
• Participate in quarterly portfolio reviews, including analysis of operating statements, rent rolls, and risk assessments
• Proactively identify and communicate emerging risks, mitigants, and other issues at the transaction and portfolio level

• Collaborate effectively with Credit Approvers and internal risk partners
• Participate in client bank meetings, as needed, to support underwriting, portfolio management, and risk discussions
• Serve as a reliable first line of credit analysis, escalating issues appropriately

Requires a bachelor's degree in Finance, Business or other related field and 2+ years of banking, relationship management, underwriting and credit experience or other directly related experience. An equivalent combination of education and experience may meet qualifications.

Knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.

Knowledge of banking products, services, policies, procedures and regulations.

Solid credit skills in underwriting, financial modeling, valuations and adherence to policy.

Requires solid…