Credit Risk Manager Jobs in Rancho Cucamonga, CA

Job Summary

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.

Compliance Responsibilities

Complies with all applicable state and federal banking laws, regulations, and internal policies related but not limited to lending, operations, and deposit requirements, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Office of Foreign Assets Control (OFAC) regulations, Customer Identification Program (CIP) requirements, Financial Elder Abuse reporting laws, Sexual Harassment prevention policies, information security and privacy requirements.

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.

Equipment Operated

• Operates standard electronic computers and customary office equipment required to perform essential job functions.
• Use of equipment is required, with or without reasonable accommodation, in accordance with the Americans with Disabilities Act (ADA) and the California Fair Employment and Housing Act (FEHA).

Physical Requirements & Work Environment

The physical demands and work environment characteristics described below are representative of those that must be met by an employee to successfully perform the essential functions of this position. Nothing in this description is intended to limit the availability of reasonable accommodation under applicable law.

• Ability to perform repetitive movements associated with office and computer-based work.
• Ability to sit and or stand for extended periods of time to perform essential job functions.
• Ability to lift, carry, or move objects weighing up to 25 pounds, with or without reasonable accommodation.
• Ability to use hands and fingers to manage, manipulate, or feel objects and operate standard office equipment.
• Work is primarily performed in an office environment with a controlled temperature and standard office conditions.

Education and Experience

• Bachelor’s degree required; 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.

Minimum Absence Requirement

Some positions within the Bank have been designated as sensitive positions due to access to critical systems, records, or processes. In accordance with Bank policy and sound internal‑control practices, employees in sensitive positions are required to complete a mandatory consecutive absence from essential duties each calendar year to support segregation of duties and independent review.

The required absence will be scheduled in coordination with management to ensure continuity of operations. Administration of absence, including paid or unpaid status, will comply with all applicable federal, state, and local wage and hour and leave laws, including California requirements.

Required Minimum Absence for This Position: Two (2) Consecutive Weeks

Officer Title Eligibility

For qualified positions, the Bank may designate an Officer Title based on the role’s job level, scope of responsibility, and alignment with established competency frameworks. Eligibility for an Officer Title designation is contingent upon the employee meeting defined competency, performance, and experience requirements and is governed by applicable Bank policies, governance standards, and required approval processes.

• This position is eligible for the following Officer Title(s): Assistant Vice President, Vice President

Compensation

The listed range represents the full compensation range for this position. Placement within the range will be determined based on factors including skills, relevant experience, job‑related qualifications, geographic location, and internal equity, in accordance with Bank compensation policies.

• Exempt Salary Range: $102,440 – $174,200 per year

Disclaimer

This job description is intended to describe the general nature and level of work being performed and is not intended to be an exhaustive list of all duties, responsibilities, or qualifications. Employees may be required to perform other duties as assigned, consistent with business needs and applicable law.

Farmers and Merchants Bank of Long Beach reserve the right to modify, amend, or discontinue job duties or requirements at any time. Nothing in this job description creates a contract of employment, either express or implied, or alters the at‑will nature of employment.

May 13, 2026