Relationship Manager - San Luis Obispo

Bank of the Sierra; San Luis Obispo (CA); On-site; USD 90,000 - 130,000; Full time

Job summary

Bank of the Sierra in San Luis Obispo seeks a Relationship Manager responsible for managing existing relationships and converting prospects into customers. The RM will leverage broad banking experience to deliver tailored financial solutions and superior client service.

The role emphasizes financial analysis, loan structuring, cross‑sell opportunities and coordination with bank partners. A bachelor’s degree and several years in underwriting or banking are preferred, with excellent communication

Qualifications

• Excellent written and verbal communication; translate complex financial information clearly.
• Ability to complete multiple, diverse tasks with accuracy and precision.
• Strong analytical skills to assess financial reports, cash flow, and underwriting data.

Responsibilities

• Evaluate financial information and creditworthiness using credit structure, cash flow, and collateral.
• Meet with clients and prospects to identify banking opportunities and build relationships.
• Compile loan packages and negotiate terms including fees, covenants, and repayment options.
• Ensure loan agreements are complete, accurate, and compliant with underwriting policy; support timely closings.
• Serve as the main contact between the customer and the Bank, identifying cross-sell opportunities and deposits growth.
• Assist in developing customer relationships and identifying new business opportunities within the loan portfolio.
• Interface with business partners across the bank to deliver solutions.
• Perform other duties as assigned by the manager.

Skills

Communication skills

Financial analysis

Multi-tasking

Relationship management

Education

Bachelor's degree with accounting courses

Tools

Microsoft Office (Excel, Word, PowerPoint)

Job description

San Luis Obispo
500 Marsh Street
San Luis Obispo, CA 93401, USA

Job Summary

The Relationship Manager is responsible for all aspects of a customer relationship with the Bank. The RM is responsible for managing existing Bank relationships and identifying/converting prospects into Bank customers. The RM will have a well‑rounded general banking experience.

Responsibilities

• Evaluate financial information and creditworthiness based on a sound analysis of the credit structure, cash flow, and collateral.
• Meeting with clients and prospects to identify banking opportunities and developing a complete banking relationship.
• Compile loan package and negotiate loan structure with the applicant, including fees, repayment options, loan covenants, reporting requirements, and other credit terms. Identify credit deficiencies and devise credit structures to mitigate them.
• Ensure loan agreements are complete, accurate, and meet underwriting policy. Assure timely loan closing and funding activities.
• Overall management of a customer’s account – RM is the contact point between the customer and the Bank. Meets with the customer throughout the year, handles issues, and identifies cross‑sell opportunities with a key focus on new deposit opportunities.
• Assist with developing customer relationships and helping identify new business opportunities in the existing loan portfolio.
• Interface with all business partners on a professional level throughout the bank.
• Perform other duties as assigned by the manager.

Qualifications

• Ability to establish and maintain effective working relationships with employees, supervisors, executives, and other departments.
• Ability to complete multiple, diverse tasks of differing priorities without close supervision.
• Ability to perform tasks and achieve results with a high degree of accuracy and precision.
• Excellent written and verbal communication skills, with a specific ability to translate complex financial information into an organized and presentable manner.
• Excellent administrative and organizational skills.
• Proficiency in the use and application of Microsoft Office (Excel, Word, and PowerPoint).
• Ability to work with specific data management software as required.
• Ability to read, analyze, and interpret financial reports and accounting and regulatory documents. Ability to respond to common inquiries from regulatory, accounting, and outside loan review agencies. Ability to effectively present information to top management both verbally and in writing.
• Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical form and deal with several abstract and concrete variables.

Education and Experience

A Bachelor's degree (BA or BS) from an accredited four‑year university with at least two college‑level accounting courses is preferred. Minimum five years of related experience in underwriting business and real estate transactions. Must display a strong understanding of accounting principles and underwriting practices and be able to work independently and with a team.

Physical Demands

The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is regularly required to sit. The employee frequently is required to talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to ten pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Work Environment

The work environment characteristics described herein are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The noise level in the work environment is usually very quiet.

Equal Employment Opportunity Statement

Bank of the Sierra is proud to be an equal opportunity workplace and is an affirmative action employer committed to equal employment opportunities regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.