Relationship Credit Manager

2 days ago

San Jose, California, United States Heritage Bank of Commerce Full time

Job Code:
HBC 25-59

Job Summary
The Relationship Credit Manager is responsible for analyzing current and prospective individual and commercial borrowers and industry as they relate to current market conditions. The main objective of this position is to support and expedite the underwriting function for the commercial lending unit of the bank. This position is also responsible for evaluating cash flow and collateral to service Bank's lending position and accurately determine the borrower's ability to incur and repay debt. The RCM must understand the Bank's Credit Policy and procedures for underwriting credit.

Pay Range:
Base Compensation is dependent upon role, experience, and skill set: Min- $49,913/yr Max- $83,188/yr

Primary Responsibilities

  • Support the underwriting function for the commercial lending unit of the bank:

  • Accurately spread and analyze financial statements of prospective and existing commercial borrowers.

  • Research industries and current market conditions of commercial borrowers as they relate to Bank's potential risk.
  • Effectively underwrite loan applications, including a complete financial and industry analysis, in a timely manner.
  • Maintain satisfactory customer service levels with all commercial lenders in the department and all other departments within the bank.

  • Maintain current client relationships by being responsible to their changing business needs and by renewing and/or amending existing credit commitments in a timely manner.

  • Perform other related duties as assigned.

Qualifications

  • Bachelor's degree from a four-year college or university or equivalent work experience
  • A demonstrated record of success with 1+ years of underwriting experience including financial statement spreading knowledge
  • Proven time management and problem solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast paced environment
  • Demonstrates initiative and the ability to work in an autonomous manner
  • Strong communication and organizational skills with the ability to interact effectively with all levels of management

Compliance Responsibilities
The employee is responsible for ensuring compliance with all aspects of job related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials.

Job related laws and regulations include, but are not limited to the following: Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.

Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate on the basis of race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, Veteran status, or any other characteristic protected by Federal, state or local laws.

JOB CODE: HBC 25-59

  • Principal Relationship Manager, Commercial

    1 week ago

    San Jose, California, United States BMO Full time $122,400 - $228,000

    Application Deadline:12/04/2025Address:180 Montgomery St.Job Family Group:Commercial Sales & ServiceBMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S. We are driven by a single purpose: to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our...

  • Dealer Relationship Manager

    2 days ago

    San Jose, California, United States Stellantis Financial Services Full time

    Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citro�n, Dodge, DS Automobiles, Fiat, Jeep�, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.Our exciting growth provides opportunities to...

  • Relationship Manager

    4 days ago

    San Francisco, California, United States East West Bank Full time

    IntroductionSince 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create...

  • Assistant Credit Manager

    1 week ago

    San Clemente, California, United States Sonance Full time $60,000 - $120,000 per year

    Full-time Description Position Overview The Assistant Credit Account Manager supports the credit and collections team in managing customer credit accounts, evaluating creditworthiness, monitoring payment performance, and ensuring timely collections. This role is instrumental in maintaining healthy cash flow, mitigating financial risk, and enhancing customer...

  • Commercial Banking Relationship Manager

    1 week ago

    San Jose, California, United States U.S. Bank Full time $170,000 - $300,000 per year

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide,...

  • Credit Risk Modeler

    1 week ago

    San Jose, California, United States Inizio Partners Corp Full time $130,000 - $170,000 per year

    Role: Senior Consultant - Credit Risk ModelerType: Hybrid (3 days/week from office)Location: San Jose, CA or Chicago, ILCompensation: $130k - $170k (depending on experience) + 12% bonusRole Overview: Emphasis is on coordinating & driving end to end delivery of project workstreamsCoordination with partner teams including senior leadership for...

  • Credit Analyst

    1 week ago

    San Jose, California, United States Western Alliance Bank Full time $72,000 - $144,000 per year

    Job Title:Credit AnalystLocation:San JoseWhat you'll do:As a Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct...

  • Relationship Manager

    2 days ago

    San Francisco, California, United States U.S. Bank Full time $130,000 - $195,000

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide,...

  • Relationship Manager Associate

    1 week ago

    San Francisco, California, United States U.S. Bank Full time $1,408,000 - $1,410,000 per year

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide,...

  • Relationship Manager Associate

    1 week ago

    San Francisco, California, United States U.S. Bank Full time $117,000 - $138,500 per year

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide,...