Commercial Relationship Manager I-III

FFB; San Ramon (CA); Vor Ort; USD 90.000 - 140.000; Vollzeit

Benefits dieser Stelle

ESOP program

Medical, dental, and vision coverage

401(k) retirement plan

Training & development opportunities

Tuition reimbursement

Paid vacation

Employee Assistance Program

Internal job postings and referral

Zusammenfassung

FFB Bank in San Ramon, CA is seeking a Commercial Relationship Manager I-III to grow and manage a portfolio of equipment, commercial real estate, and business loans in a compliant, client‑focused manner.

This role emphasizes building trusted relationships, cross‑selling products, and delivering flexible financial solutions tailored to client needs. You will lead end‑to-end loan processes and coordinate with processing teams to support growth and credit quality.

Qualifikationen

• Bachelor’s degree preferred in Business/Finance or related field.
• Minimum 5 years of related banking experience required.
• Proficiency with Microsoft Office and CRM systems essential.
• Strong knowledge of commercial banking products and compliance.

Aufgaben

• Generates new leads through outbound calls, emails, networking, and meetings.
• Builds and maintains relationships to drive long-term opportunities.
• Uses CRM to track interactions, update records, and manage pipeline.
• Interviews applicants and analyzes loan applications for credit readiness.
• Pre-qualifies financing requests and coordinates with senior management for approvals.
• Coordinates processing of loans and ensures adherence to policies.

Kenntnisse

Lead generation

Relationship building

CRM systems

Credit analysis

Negotiation

Portfolio management

Ausbildung

Bachelor’s degree in Business/Finance

Tools

Microsoft Office

CRM systems

Jobbeschreibung

Description

About FFB

Since opening our doors in 2005, FFB Bank has focused on one mission: to help businesses, professionals, and successful individuals reach their goals through personalized service and flexible financial solutions. As one of the top-performing community banks in the nation, FFB offers a full range of banking services, including business and personal accounts, specialized lending, and modern payments solutions.

What It’s Like to Work Here

We believe our people are our greatest asset. That’s why we foster a supportive, collaborative workplace where employees are empowered to grow, contribute ideas, and make a real impact.

Highlights include:

• Employee ownership through our ESOP program
• A collaborative, close-knit culture
• Opportunities to participate in community and networking events

Benefits:

• Medical, dental, and vision coverage
• Life insurance
• Paid vacation
• 401(k) retirement plan
• Training & development opportunities
• Tuition reimbursement
• Employee Assistance Program
• Internal job postings and referral program

Our Values

At FFB, we live by our core values: Teamwork, Relationship, Authenticity, and Commitment (TRAC).

Our team members bring these values to life by collaborating with colleagues, building trust with clients, communicating openly, and taking pride in doing amazing work every day!

About the Role

The Commercial Relationship Manager I-III (CRM) is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in compliance with the Bank’s lending policies and procedures. This role develops and manages business checking, deposit, and lending relationships while promoting the Bank’s products and services through strong client relationships and internal referrals.

Depending on experience and level, the CRM may support commercial lending activities, independently manage a portfolio, or lead more complex commercial transactions, all while serving as a trusted advisor to clients and contributing to portfolio growth and credit quality.

In addition to base compensation, this role offers the opportunity to earn performance-based incentives through participation in multiple incentive plans.

Essential Duties:

• Generates new leads through outbound calls, emails, networking, and in-person meetings.
• Builds and maintains strong relationships with prospective and existing clients to drive long‑term business opportunities.
• Uses CRM systems to track interactions, update customer records, and manage pipeline activity.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re‑interviews applicants to resolve questions regarding application information.
• Performs pre‑qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates, underwrites, and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, auction, and decline letters.
• Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget.
• Verifies funds with mortgage companies and contractors.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Provides deposit and loan account ratings.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge‑offs to ensure all possible precautionary actions or measures are taken.
• Responsible for achieving annual deposit and loan growth goals assigned by Senior Management.
• Provides leadership and training to less experienced loan officers and other staff members.
• Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision‑making.
• Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement.
• Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
• Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti‑Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.
• Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
• Travels up to 75%, including but not limited to frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Travel may include long‑distance flights, overnight stays, and local transportation.

Requirements

• Bachelor’s degree from an accredited college or university preferred (e.g., Business, Finance, or related).
• Minimum 5 years of related experience in banking, financial services, or relevant industry required.
• Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
• Experienced in growing marketing and business development expertise through direct customer engagement.
• Advanced math skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Demonstrated ability to cross‑sell and explain all products and services with confidence and authority.
• Knowledge of commercial banking products and services and a strong understanding of federal compliance regulations required.
• Ability to take initiative and effect change within the Bank through consensus building, negotiation, and conflict resolution.
• Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
• Strong organizational and time management abilities with attention to detail.
• Proficient teamwork and relationship skills to contribute to cross‑functional collaboration and team success.
• Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
• Commitment to continuous learning and professional development to stay current with industry standards and best practices.
• Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
• Capable of managing multiple priorities and meeting 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 a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.