Commercial Relationship Manager

🕒 5 dias atrás

🏄 California – Remoto

🏄 California – Remote

💵 $120.000 - $180.000 / ano

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

💰 Gerente de Contas

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FFB Bank

SiteLinkedInTodas as Vagas

51 - 200 funcionários

🏦 Bancário

Banking

O FFB Bank é uma instituição financeira que oferece uma ampla gama de serviços bancários para necessidades pessoais e empresariais. Seus serviços incluem contas correntes e de poupança empresarial, empréstimos comerciais, contas correntes e de poupança pessoal, empréstimos pessoais e crédito, bem como diversas opções de banco online e móvel. O banco enfatiza uma relação colaborativa e de confiança com seus clientes, visando o crescimento mútuo ao entender os clientes além de suas demonstrações financeiras. O FFB Bank se orgulha de oferecer tanto um atendimento ao cliente personalizado quanto a conveniência dos serviços bancários virtuais, como serviços de comércio, pagamento de contas online e captação de depósitos remota. Eles foram reconhecidos como um dos melhores bancos do Centro da Califórnia várias vezes, destacando a satisfação dos clientes e o compromisso com a comunidade.

Descrição

• Solicit, negotiate, underwrite, and coordinate closing of equipment, commercial real estate, and business loans • Develop and manage business checking, deposit, and lending relationships • Promote Bank products and services through client relationships and internal referrals • Generate new leads through outbound calls, emails, networking, and in-person meetings • Build and maintain relationships with prospective and existing clients • Use CRM systems to track interactions, customer records, and pipeline activity • Interview applicants and request or clarify loan and credit application information • Assess financial condition and financing risk within the Bank’s credit framework • Gather and analyze information for financing requests presented to Senior Management or Loan Committee • Meet customers, visit loan sites, and negotiate loan terms and conditions • Coordinate approved-loan processing and ensure compliance with agreements and lending policies • Obtain customer documentation and resolve portfolio loan-processing and servicing issues • Approve loan disbursements, payments, lines of credit draws, and fund transfers within limits • Research credit inquiries and UCC filings to evaluate creditworthiness and collateral positioning • Negotiate, underwrite, and process credit-facility renewals • Authorize commitment, engagement, auction, and decline letters • Support branch and regional profitability, cost controls, income generation, and marketing efforts • Monitor expenses for budget compliance • Verify funds with mortgage companies and contractors • Maintain knowledge of financial industry, economy, market conditions, rates, vendors, and competition • Represent the Bank at community, civic, community reinvestment, networking, and industry events • Review NSF and overdraft reports and approve or decline exceptions within lending limits • Provide deposit and loan account ratings • Coordinate with legal counsel and collectors on workouts, bankruptcies, and charge-offs • Achieve annual deposit and loan growth goals • Provide leadership and training to less experienced loan officers and staff • Complete administrative tasks and required Bank Compliance Training • Respond promptly and professionally to internal and external inquiries • Ensure adherence to 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

🎯 Requisitos

• Bachelor’s degree from an accredited college or university preferred (e.g., Business, Finance, or related) • Minimum 5 years of related experience in banking, financial services, or relevant industry required • Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required • Experience growing marketing and business development expertise through direct customer engagement • Advanced math skills, including calculating interest, commissions, proportions, percentages, rates, ratios, and interpreting bar graphs • Demonstrated ability to cross-sell and explain products and services • Knowledge of commercial banking products and services • Strong understanding of federal compliance regulations required • Ability to take initiative and effect change through consensus building, negotiation, and conflict resolution • Effective oral, written, and interpersonal communication skills • Strong organizational and time management abilities with attention to detail • Teamwork and relationship skills for cross-functional collaboration • Commitment to continuous learning and professional development • Ability to maintain authenticity and integrity in professional interactions • Ability to manage multiple priorities and meet deadlines • Ability to work independently with minimal supervision and as part of a team • Ability to adapt to changing priorities and procedures • Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties

🏖️ Benefícios

• Employee ownership through our ESOP program • A collaborative, close-knit culture • Opportunities to participate in community and networking events • Medical, dental, and vision coverage • Life insurance • Paid vacation • 401(k) retirement plan • Training & development opportunities • Tuition reimbursement • Employee Assistance Program • Internal job postings and referral program • Performance-based incentives through participation in multiple incentive plans