Small Business Relationship Manager - San Francisco

US Bank; San Francisco (CA); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

Life insurance

Disability insurance

Parental leave

401(k) plan

Paid vacation

Job summary

U.S. Bank in San Francisco seeks a Small Business Relationship Manager (NMLS) to deliver excellent customer service and provide comprehensive financial solutions to mid-market clients. You will manage a portfolio and develop new relationships through business development activities.

You will work across loans, deposits, cash management, and related products while ensuring compliance with regulatory requirements and internal policies.

Qualifications

• Experience in relationship banking with a focus on small business clients.
• Strong financial analysis and product knowledge for loans, deposits, and cash management.
• Understanding of lending policies, credit structures, and regulatory requirements.

Responsibilities

• Prospect and deepen small business client relationships to drive revenue.
• Conduct discovery to understand client goals and financial needs.
• Recommend solutions across loans, deposits, and cash management.
• Monitor portfolio performance and credit quality; support underwriting.
• Collaborate with underwriting and other teams to deliver integrated solutions.

Skills

Consultative selling

Relationship management

Business development

Credit analysis

Product knowledge

Education

Bachelor's degree or equivalent

Job description

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, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

The Small Business Relationship Manager NMLS is responsible for delivering excellent customer service in alignment with U.S. Bank Core Values while providing comprehensive financial solutions to complex small business clients with annual revenues generally between $500K and $2.5 million, typically not exceeding $5 million. This role deepens existing customer relationships through routine calling and develops new relationship opportunities through business development activities. The role combines digital tools with strong human connections, maintains a portfolio, and partners across internal and external networks to grow revenue and support client outcomes.

What you'll do

• Prospect for new small business clients and deepen existing relationships to drive year-over-year revenue growth, loan production, deposits, and broader relationship value.
• Conduct discovery conversations to understand each client's business, goals, financial needs, credit profile, and growth opportunities.
• Serve as the primary point of contact for small business clients and recommend appropriate solutions across loans, deposits, cash management, and other core banking products.
• Design and structure financial solutions aligned to client objectives, credit standards, portfolio quality expectations, and responsible banking practices.
• Manage portfolio performance and credit quality by monitoring market trends, identifying developing risk indicators, and applying sound underwriting judgment.
• Partner with underwriting, portfolio management, and internal teams to support timely reporting, responsive portfolio management, and effective client outcomes.
• Address client concerns and coordinate across business lines, engaging additional specialists as needed to deliver integrated solutions.
• Build relationships in the community, engage with local organizations, and identify business development opportunities that increase visibility and support community impact.

What you'll bring

• Expert-level consultative selling, financial analysis, and relationship management skills.
• Advanced business acumen, underwriting expertise, and product knowledge to deliver sophisticated client solutions.
• Strong understanding of banking operations, sales, new business development, customer service and relations, and community relations.
• Professionalism and strong working knowledge of applicable lending policies, credit structures, products, services, and regulatory requirements.
• Typically a bachelor's degree or equivalent work experience and three to four years of experience in relationship banking.

Role expectations and requirements

This role requires National Mortgage Licensing Service (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z, including ongoing compliance with all legal and regulatory registration requirements, such as maintaining a satisfactory criminal and credit record.

The role actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security, suspicious activity reporting requirements, policies, and procedures.

The role actively participates in required corporate and business line training in these areas, follows account opening procedures, and understands internal suspicious activity referral requirements and processes as required for the position.

The role may perform other duties as assigned.

Location expectations

This role requires working from a U.S. Bank location for all scheduled work days.

Benefits:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depend

Total compensation includes base compensation in addition to eligibility for incentives based on the employee's production under the applicable incentive plan.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants .