Commercial Relationship Manager

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

📋 Description

• Solicit, negotiate, underwrite, and coordinate the closing of equipment, commercial real estate, and business loans.

• Develop and manage relationships related to business checking, deposits, and lending.

• Promote the Bank's products and services through client interactions and internal referrals.

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

• Build and sustain relationships with both prospective and current clients.

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

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

• Evaluate financial conditions and financing risks within the Bank’s credit framework.

• Collect and analyze information for financing requests presented to Senior Management or the Loan Committee.

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

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

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

• Authorize loan disbursements, payments, lines of credit draws, and fund transfers within specified limits.

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

• Negotiate, underwrite, and process renewals of credit facilities.

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

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

• Monitor expenses to ensure compliance with budgetary constraints.

• Verify funds with mortgage companies and contractors.

• Maintain up-to-date knowledge of the financial industry, economy, market conditions, rates, vendors, and competition.

• Represent the Bank at community, civic, networking, and industry 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 necessary administrative tasks and Bank Compliance Training.

• Respond promptly and professionally to both internal and external inquiries.

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

• Perform duties in an office or home office environment.

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

⛳️ Requirements

• A bachelor's degree in Business, Finance, or a related field from an accredited institution is preferred.

• A minimum of 5 years of relevant experience in banking, financial services, or a similar 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 abilities, including calculating interest, commissions, proportions, percentages, rates, ratios, and interpreting bar graphs.

• Proven capacity to cross-sell and articulate products and services effectively.

• Familiarity with commercial banking products and services.

• Strong understanding of federal compliance regulations is required.

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

• Excellent oral, written, and interpersonal communication skills.

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

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

• Commitment to continuous learning and professional growth.

• Ability to maintain authenticity and integrity in professional interactions.

• Capacity to manage multiple priorities and adhere to deadlines.

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

• Adaptability to changing priorities and procedures.

• A current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties.

🏝️ Benefits

• Employee ownership through our ESOP program.

• A collaborative and close-knit culture.

• Opportunities to engage in community and networking events.

• Comprehensive medical, dental, and vision coverage.

• Life insurance benefits.

• Paid vacation time.

• 401(k) retirement plan.

• Opportunities for training and development.

• Tuition reimbursement program.

• Employee Assistance Program.

• Internal job postings and referral initiatives.

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