Business Banking Group Relationship Manager 2

2 weeks ago

Seal Beach, United States The Ladders Full time
Job Summary

The BBG Relationship Manager 2 has additional lending approval authority with duties and responsibilities that include achieving an advanced level of loan and deposit production, credit analysis, proper loan structuring and documentation, loan servicing, client interviewing and perceptive character judgment. Acting as the principal account relationship manager for new and existing clients by developing, generating, and following up on new client leads through referrals and phone calls.

Essential Duties
• Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities including but not limited to, cold calling, asking existing customers for referrals, foot canvases, mail campaigns, and attending trade shows and other business events such as galas and awards shows. Provide weekly report of pipeline and marketing activities to the Business Banking Group Manager.
• Establish and maintain an excellent rapport with key customers, including those with complex financing and depository requirements by making monthly retention calls.
• Provide detailed explanations of different types of loans and credit options available to customers by analyzing applicants' financial information, credit worthiness, and property to determine feasibility of granting loans
• Recommend loan approval or decline to the Business Banking Group Manager and/or Credit Administration. Prepare thorough credit memos complete with accurate financial analysis and credit strengths and weaknesses.
• Ensure compliance with Bank policy, regulatory requirements and credit worthiness by reviewing and updating all credit loan files and loan agreements with current financial information to ensure that they are complete and accurate according to policy. Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed.
• Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and updating all credit loan files and loan agreements to ensure that they are complete and accurate according to policy. Prepare timely credit renewals and risk rating upgrades/downgrades. Monitor loan repayment activities and account overdrafts, taking necessary action to collect any past-due accounts as consistent with Bank policy.
• Assist customers and follow up on outstanding items.
• Collaborate with the Business Banking Group Manager on employee development, management activities, and operational functions. Attend team meetings and Bank meetings in person.
• Understand basic treasury management services and introduce Bank partners in treasury, online banking, ACH, wire, positive pay, card, and merchant services to maximize fee income to the Bank.

The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator ID issued through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.

Required Knowledge
• Regulation CC
• Regulation DD
• Regulation E (EFT)
• Bank Secrecy Act
• FDIC Insurance
• Privacy Laws
• Regulation BB (CRA)
• Regulation B (ECOA)
• Regulation X (RESPA)
• Regulation Z (Truth about Lending)
• Fair Credit Reporting Act
• UCC
• Deposit Products
• Investment Products
• Loan Products
• Loan Documentations
• Account Services
• Trust Services
• Bank Operations

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.

Basic Knowledge, Skills and Abilities
• Strong Business Development Skills, including networking, generating referrals, cold/warm calling, and attending trade shows and other business events
• Time Management Skills
• Supervisory/Management Skills
• Clear understanding of the English Language (Spoken & Written)
• Strong writing skills with the ability to write lengthy, complex credit memos
• Basic Mathematics Skills
• Telephone Skills
• Customer Service Skills
• Critical Thinking, Judgment & Problem Solving Skills
• Ability to actively listen & learn
• Ability to use oral communication techniques to sell products or services and resolve customer complaints
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability and desire to foster and interact in a fast paced team environment, and willingness to contribute to team efforts

Officer Title Eligibility

For qualified positions, the Bank may designate an Officer Title to an employee who seeks and/or meets defined competencies for an eligible position. This position qualifies for the officer title(s) Vice President, First Vice President., Senior Vice President.

Equipment Operated
• Telephones/Cell Phones
• Desk and/or Laptop Computers
• Standard Office Equipment (copiers, fax machines)

Physical Requirements & Work Environment
• Requires standing and/or sitting for prolong periods of time.
• Requires lifting up 10lb
• Office setting w/controlled temperature
• Up to 50% traveling

Education and Experience
• High School Diploma or equivalent required
• Bachelor's degree in Business, Accounting, Finance or related discipline is preferred but not required
• A minimum of 10 -15 years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management

Additional Requirements
• Ability to travel to various Bank locations as needed and customer/prospect locations daily
• Some Saturday hours and after hours events are required

As a part of the Bank's internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.

This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.

Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.

May 29, 2024

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