SVP, Commercial Relationship Manager

SupportFinity™; San Francisco (CA); On-site; USD 120,000 - 220,000; Full time

Job summary

River City Bank in San Francisco, CA is seeking a Relationship Manager to grow a portfolio of secured and unsecured commercial loans and cash management services for middle‑market clients. You will serve as the primary contact and advocate, structuring loans from $2M to $50M, pursuing deposits over $1M, and collaborating with product partners to deliver credit and non‑credit solutions.

A minimum of 15 years in commercial lending is required, with a Bachelor's in accounting/business/finance and

Qualifications

• Fifteen or more years of experience in financial or banking services in commercial lending.
• MBA or Master's Degree preferred.
• Excellent sales skills with ability to meet or exceed loan and deposit goals.
• Credit analysis and commercial underwriting skills including financial statement and cash flow analysis.
• Experience structuring credit products for middle market businesses with complex ownership.

Responsibilities

• Maintains and grows existing and new commercial loans while providing superior customer service.
• Negotiates and structures new and renewed commercial loans; reviews financial data to determine credit eligibility.
• Identifies relationship-expansion opportunities and collaborates to fulfill credit and non-credit solutions, including cash management.
• Initiates and implements an effective calling program to grow commercial banking relationships.
• Represents the Bank in community organizations to enhance image and develop referral networks (COIs).
• Supports CRA through business development efforts and participates in community organizations.
• Maintains knowledge of bank regulations and ensures compliance with policies and regulations.
• Other duties as assigned.

Skills

Sales skills

Credit analysis

Commercial underwriting

Financial statement analysis

Cash flow analysis

Relationship management

Mid-market lending

Education

Bachelor's Degree in accounting, business, or finance

MBA or Master's Degree preferred

Job description

Description

The Relationship Manager will maintain and grow a deposit/cash management and commercial loan portfolio of secured and unsecured loans and lines of credit in the Commercial Banking group; provides a superior level of customer service to all current and prospective customers. In this role, the Relationship Manager serves as primary point of contact, client advocate, and relationship manager for middle market loans and deposits with loans sizes ranging on average from $2 to $50 million and deposits over $1 million.

Job Type

Full-time

Essential Functions

• Maintains and grows existing and new commercial loans while providing superior customer service.
• Negotiates and structures new and renewed commercial loans; prepares and documents current applications; reviews and analyzes financial data and other relevant information to determine each customer’s eligibility for credit.
• Extensive knowledge of all bank products; identifies relationship-expansion opportunities and collaborates with partners to structure, coordinate, and fulfill credit and non-credit solutions, including cash management.
• Initiates and implements an effective calling program to focus efforts on maintaining and increasing commercial banking relationships.
• Represents the Bank in community organizations and activities to enhance the Bank’s image and maintain and enhance a referral network with Centers of Influence (COI’s) for business development opportunities.
• Supports the Community Reinvestment Act (CRA) through business development efforts. Actively participates in community organizations.
• Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
• Other duties as assigned.

Requirements

• Fifteen or more years’ experience in financial or banking services in commercial lending with proven track record of exceeding performance in developing and maintaining business in the commercial industry.
• Bachelor Degree from accredited college in accounting, business, or finance or equivalent experience.
• MBA or Master's Degree preferred.
• Excellent sales skills with ability to meet or exceed established loan and deposit sales goals within expected timelines.
• Credit analysis and commercial underwriting skills, including accounting, financial statement, and cash flow analysis experience.
• Working knowledge with structuring credit products to middle market businesses in diverse industries with complex ownership structures.

Additional Comments

River City Bank is an Affiantive Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws. Note: River City Bank does not sponsor applicants for work visas. For CA residents please read the Notice at Collection - California before applying.

Salary Description

$120,000 to $220,000 per year

About the company

River City Bank