Commercial Banking Relationship Manager - San Francisco, Walnut Creek, San Jose, CA

California Bank & Trust; San Francisco (CA); On-site; USD 175,000 - 250,000; Full time

Benefits offered by this job

Medical, Dental & Vision

Life & Disability Insurance

401(k) with Match

PTO & Holidays

Tuition Reimbursement

Mental health support

Adoption assistance

Employee banking products

Job summary

California Bank & Trust in San Francisco, CA is seeking a Commercial Banking Relationship Manager to build and maintain strong client relationships and to lead a diverse loan portfolio. You will manage new and existing clients, structure loans, conduct credit analysis, and cross-sell bank products.

The role requires a Bachelor's degree with 4–8+ years in commercial lending, strong sales ability, and excellent communication skills. Base salary commensurate with experience.

Qualifications

• Bachelor's degree required with 4–8+ years in commercial lending or credit.
• Extensive knowledge of commercial loans, credit analysis, lending, loan processing and closing processes.
• Strong sales ability and the capability to expand client relationships and cross-sell bank products.
• Excellent interpersonal and communication skills; proficient in evaluating credit performance.

Responsibilities

• Generate and service a wide variety of commercial loans while maintaining high customer service.
• Serve as principal account and relationship manager for new and existing clients.
• Develop and follow up on new client leads through referrals from other bank departments.
• Call on existing relationships to review portfolios and make recommendations.
• Structure loans, perform credit analysis, interview clients, and assess character.
• Monitor credit performance and ensure high customer satisfaction.
• Cross-sell other bank products and aggressively pursue new business.

Skills

Commercial lending

Credit analysis

Loan structuring

Sales ability

Interpersonal communication

Client relationship management

Education

Bachelor's degree

Tools

MS Word

MS Excel

Job description

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards.

We are looking for a Commercial Banking Relationship Manager in San Francisco, Walnut Creek, San Jose, CA.

Essential Functions:

• Responsible for generating and servicing a wide variety of commercial loans and developing strong, low risk commercial relationships while maintaining quality customer service.
• Acts as the principal account and relationship manager for new and existing clients.
• Develops, generates and follows-up on new client leads through existing clients and referrals from other bank departments.
• Calls on existing relationships to review portfolios and makes recommendations as needed.
• Responsible for sales, credit analysis, proper loan structuring, client interviewing and perceptive character judgment.
• Responsible for monitoring credit performance.
• Responsible for building and maintaining relationships, with a resulting high degree of customer satisfaction.
• Cross sell other bank products.
• Aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
• Requires skills and experience in applicant interviewing and perceptive character judgment, loan structuring, credit analysis, and monitoring credit performance.
• Responsible for building and maintaining relationships, with a resulting high degree of customer satisfaction.
• Other duties as assigned.

Qualifications:

• Requires a Bachelor's and must have at least 4-8+ years' experience with commercial or credit associated lending, credit, underwriting experience. A combination of education and experience may meet requirements.
• Extensive knowledge of commercial loans, credit analysis, lending, loan processing and closing processes.
• Ability to expand commercial loans, client relationships and cross-sell bank products.
• Requires strong sales ability.
• Solid experience in applicant interviewing and perceptive character judgment skills.
• Ability to structure loans and monitor credit performance.
• Must have strong interpersonal and communication skills.
• Working knowledge of software applications, including word processing and spreadsheets.
• Manages a medium commercial portfolio.

Benefits:

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $175,000 - $250,000 annually depending on job-related factors such as level of experience.