Commercial Relationship Manager

This is a fully remote position, open to applicants in California.

📋 Description

• Solicit, negotiate, underwrite, and facilitate the closing of loans for equipment, commercial real estate, and businesses.

• Develop and oversee business checking, deposit, and lending relationships.

• Promote the Bank's offerings and services through client relationships and internal referrals.

• Generate new leads via outbound calls, emails, networking, and face-to-face meetings.

• Establish and nurture relationships with both prospective and current clients.

• Utilize CRM systems to monitor interactions, update customer records, and manage pipeline activities.

• Conduct interviews with loan applicants and request or clarify information on applications.

• Evaluate the financial condition and risks associated with financing requests.

• Collect and analyze information for presentations to Senior Management or the Loan Committee.

• Meet clients, visit loan sites, and negotiate terms and conditions of loans.

• Coordinate the processing of approved loans and ensure compliance with lending policies.

• Obtain necessary customer documentation and resolve issues related to loan processing and servicing.

• Approve loan disbursements, payments, credit line draws, and fund transfers within specific limits.

• Investigate credit inquiries and UCC filings to evaluate creditworthiness and collateral positioning.

• Negotiate, underwrite, and handle credit facility renewals.

• Authorize commitment, engagement, auction, and decline letters.

• Contribute to branch and regional profitability, cost control, income generation, and marketing initiatives.

• Monitor expenses to ensure compliance with budgetary requirements.

• Develop knowledge of the financial industry, economic conditions, market trends, rates, vendors, and competition.

• Represent FFB Bank at community, civic, industry, and corporate events.

• Review NSF and overdraft reports, approving or declining exceptions within lending limits.

• Provide ratings for deposit and loan accounts.

• Collaborate with legal counsel and collectors on workouts, bankruptcies, and charge-offs.

• Achieve annual growth targets for deposits and loans.

• Offer leadership and training to junior loan officers and staff.

• Complete administrative tasks and mandatory Bank Compliance Training.

• Respond to internal and external inquiries in a professional and timely manner.

• Ensure compliance with Bank policies, procedures, applicable laws, regulations, confidentiality, data privacy, and AML/CFT responsibilities.

• Travel up to 75% to client locations, sales presentations, conferences, corporate events, and training sessions.

⛳️ Requirements

• Bachelor's degree from an accredited institution preferred (e.g., Business, Finance, or a related field).

• At least 5 years of relevant experience in banking, financial services, or a comparable industry is required.

• Proficiency in Microsoft Office Suite (Excel, Word, Outlook) is essential.

• Experience in enhancing marketing and business development skills through direct customer engagement.

• Advanced mathematical skills, including the ability to calculate interest, commissions, proportions, percentages, rates, ratios, and interpret bar graphs.

• Proven ability to cross-sell and articulate products and services with confidence and authority.

• Knowledge of commercial banking products and services is essential.

• Strong understanding of federal compliance regulations is required.

• Ability to take initiative and drive change through consensus building, negotiation, and conflict resolution.

• Effective oral, written, and interpersonal communication skills.

• Strong organizational and time management skills with a keen attention to detail.

• Teamwork and relationship-building skills for effective cross-functional collaboration.

• Willingness to undertake special projects and other assigned tasks.

• Commitment to ongoing learning and professional development.

• Ability to maintain authenticity and integrity in professional interactions.

• Ability to manage multiple priorities and adhere to deadlines.

• Capacity to work independently with minimal supervision as well as part of a team.

• Proven adaptability to changing priorities and procedures.

• Valid driver's license and vehicle with appropriate insurance coverage if driving is required for assigned duties.

🏝️ Benefits

• Employee ownership through our ESOP program.

• A collaborative, close-knit company culture.

• Opportunities to engage in community and networking events.

• Medical, dental, and vision insurance coverage.

• Life insurance benefits.

• Paid vacation time.

• 401(k) retirement savings plan.

• Training and development opportunities.

• Tuition reimbursement program.

• Employee Assistance Program.

• Internal job postings and referral incentives.

• Performance-based incentives through participation in various incentive plans.