Commercial Relationship Manager

4 weeks ago

San Diego, California, United States Bank of Southern CA Full time
Job Summary

The Commercial Relationship Manager is responsible for creating, developing, and managing a portfolio of commercial relationships within a specified region within the Bank's footprint. This role provides expert-level advice to customers on opportunities to utilize the Bank's deposit, loan products, and treasury management services.

Key Responsibilities
  • Advanced credit analysis and underwriting with focus on more complex Commercial Loans and Real Estate Loans (including Construction and Participations).
  • Establish business relationships with real estate, commercial, and/or agricultural clients; provide lending and product expertise to their financial service needs while ensuring loan quality and providing growth for the bank.
  • Ensure credit facilities are in accordance with established policies and which result in maximum volume and profit for the bank. Assist in developing and growing major customer relationships.
  • Maintain and seek knowledge of bank products and services, operational systems/processes, industry trends.
  • Analyze and underwrite more complex business and real estate loans for new and existing relationships, thereby allowing for the extension of credit within our lending limits or presenting recommendations to the Loan Committee.
  • Assist senior lending officers in identifying client needs, analyzing credit information, ensuring credit quality, and timely provision of financial services that meet the needs of our customers.
  • Recommend banking products and services for present and potential customers.
  • Participate in the bank's credit process, providing credit analysis, preparing credit memorandums, and at times, assisting with the management of our loan portfolio to ensure resolution of emerging problems and consistent credit quality.
  • Provide referrals to other Bank of Southern CA bankers; make appointments as necessary.
  • Listen to customer and staff inquiries, requests, and problems, resolve issues in a timely manner in accordance with expectations.
  • Track repetitive credit analysis and underwriting issues and share with appropriate staff and senior credit management. Goal is to minimize problems and create and maintain efficient processes that can be improved, making more time for production efficiencies consistent with credit quality and profitability.
  • Maintain confidentiality for complex and sensitive issues.
  • Adhere to loan policies, procedures, and underwriting guidelines, also Risk Rating System Requirements.
  • Assist to ensure loan documentation is in compliance with requirements as applicable.
  • Effectively prepare and present credit memoranda.
  • Effectively analyze and assess financial information.
  • Assist in ensuring appropriate pricing and profitability of loans.
  • Ensure adequacy of financial information and spread applicable financials on banks chosen format.
  • Develop, review, and assess appropriate ratios, trends, and other pertinent financial data related to the loan request.
  • Credit write-ups to be complete in terms of financial analysis, industry analysis, and guarantor analysis. The credit memorandum should be able to be understood by individuals having no prior knowledge of the borrowing entity.
  • Complete applicable reports in a timely and accurate manner.
  • Effectively assist other staff in managing delinquencies and loan losses as requested.
Requirements
  • Demonstrated computer proficiency to include use of Microsoft Office products and other programs as required.
  • Technical knowledge of the software used to spread financial information such as Cash, Fast, Basis, or other similar packages.
  • Ability to handle detail-oriented transactions.
  • Good organizational, written, and verbal communication skills.
  • Dedication to teamwork and enjoys working closely with others.
  • Good customer service skills, the ability to respond effectively to sensitive inquiries or complaints.
Education/Licenses/Work Experience
  • Bachelor's Degree in Accounting, or Finance.
  • Three to five years' experience in commercial banking/lending, underwriting, and credit analysis.

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