Commercial Relationship Manager

Commercial Relationship Manager Apply for the Commercial Relationship Manager role at FFB Bank. Job Type: Full‑time Salary: $140,000 - $175,000 Annual Salary About FFB FFB, a dynamic and acclaimed single‑branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top‑notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs. Recent Achievements 2024 & 2025 – American Banker – #1 Top Performing Publicly Traded Bank with under $2b in assets 2023 – American Banker – "Top 5" Community Bank in the Country (#4) 2023 – OTCQX – Best 50 Companies (#3) 2023 – 5‑star Rating Bauer Financial Benefits Employee Stock Ownership Program (ESOP) Friendly, close‑knit work culture that encourages growth Opportunities to participate in community networking events Benefits package: Medical/Dental/Vision, Life Insurance, Paid Vacation, 401(k) retirement plan Training & development, tuition reimbursement, employee assistance program, internal job postings & referral program Ideal Candidate FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members reflect these values in the workplace in the following ways: Teamwork – Collaborate, hold each other accountable, and win together. Relationship – Trustworthy, transparent, and respectful. Authentic – Humble, vulnerable, and speak up. Commitment – Hungry, responsive, and purposeful. About the Position The Commercial Relationship Manager is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial building, and business loans in compliance with the Bank’s lending policies and procedures. The role also develops business checking and deposit relationships with customers and promotes business for the Bank by maintaining good customer relations and referring customers to the appropriate staff for new services. Essential Duties Generate new leads through outbound calls, emails, networking, and in‑person meetings. Build and maintain strong relationships with prospective and existing clients to drive long‑term business opportunities. Use CRM systems to track interactions, update customer records, and manage pipeline activity. Interview prospective applicants and request specified information related to loan or credit application; re‑interview applicants to resolve questions regarding application information. Perform pre‑qualification assessment and analysis of financial condition and risk of financing requests within the framework of Bank credit culture and current economic and industry trends. Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval; meet with existing or potential customers; visit sites of loans; negotiate loan terms and conditions. Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs, and conformance to Bank lending policies; obtain sufficient information and/or documentation from customers. Resolve problems related to processing and servicing of loans within the portfolio; approve loan disbursements in accordance with agreements. Conduct credit inquiries and UCC filings to determine credit worthiness and appropriate collateral positioning. Ensure certification or deletion of collateral is made by the appropriate personnel. Negotiate, underwrite, and process renewals of credit facilities. Approve loan payments, draws from lines of credit, and fund transfers within specified limits. Authorize commitment, engagement, auction, and decline letters. Contribute to overall profitability of the branch and region; implement cost controls, income generation, and marketing efforts; monitor expenses for budget compliance. Verify funds with mortgage companies and contractors. Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors, and competition. Represent the Bank in community, civic, and community reinvestment functions to enhance the Bank’s image and develop additional business. Review NSF and overdraft reports for customers assigned within the portfolio; approve or decline exceptions within lending limits. Provide deposit and loan account ratings. Correspond with legal counsel and collectors on workouts, bankruptcies, and charge‑offs to ensure precautionary actions are taken. Achieve annual deposit and loan growth goals assigned by Senior Management. Provide leadership and training to less experienced loan officers and other staff members. Embodies the TRAC values and critical behaviors in daily interactions and decision‑making. Complete administrative tasks with urgency, including required Bank compliance training; respond to inquiries via email, phone, or messaging platforms in a timely and professional manner; represent the Bank ethically and through community involvement. Demonstrate understanding and commitment to EEO policies; foster a respectful, inclusive workplace. Ensure adherence to all Bank policies, procedures, and processes, and applicable state and federal laws, rules, and regulations, including AML/CFT responsibilities. Perform duties in an office or home office environment; tasks include writing, typing, speaking, lifting moderate weights, and operating office equipment; reasonable accommodation can be made for individuals with disabilities. Travel up to 75%, including trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Requirements Bachelor’s degree from an accredited college or university required; relevant field preferred (e.g., Business, Finance). Minimum 5 years of related experience in banking, financial services, or a relevant industry. Proficiency with Microsoft Office Suite (Excel, Word, Outlook). Experience growing marketing and business development through direct customer engagement. Advanced math skills: calculate interest, commissions, ratios, and percentages; balance accounts; perform calculations using whole numbers, fractions, and decimals. Ability to cross‑sell and explain all products and services with confidence and authority. Knowledge of commercial banking products, services, and federal compliance regulations. Initiative to 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. Proficient teamwork and relationship skills to contribute to cross‑functional collaboration. Willingness to take on special projects and perform other duties as assigned. Commitment to continuous learning and professional development. Integrity and authenticity in all professional interactions. Capacity to manage multiple priorities and meet deadlines in a dynamic environment. Ability to work independently with minimal supervision and as part of a team. Proven ability to adapt to changing priorities and procedures. Current driver’s license and vehicle with appropriate insurance coverage if required for duties. Professional Details Seniority Level: Entry level Employment Type: Full‑time Job Function: Finance and Sales Industry: Banking #J-18808-Ljbffr