Commercial Relationship Manager

🔥 0 minutes ago

🏄 California – Remote

🏄 California – Remote

💵 $120k - $180k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

💰 Account Manager

👻 Ghost score 1%

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FFB Bank

WebsiteLinkedInAll Job Openings

51 - 200 employees

🏦 Banking

Banking

FFB Bank is a financial institution offering a wide range of banking services for both personal and business needs. Their services include business checking and savings accounts, commercial lending, personal checking and savings accounts, personal loans and credit, as well as a variety of online and mobile banking options. The bank emphasizes a collaborative and trustworthy relationship with its clients, aiming for mutual growth by understanding customers beyond their financial statements. FFB Bank prides itself on offering both personalized customer service and the convenience of virtual banking services, such as merchant services, online bill pay, and remote deposit capture. They have been recognized as one of the best banks in Central California multiple times, showcasing their client satisfaction and community commitment.

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 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