Job Summary
The Relationship will be responsible for building, maintaining, and expanding a high value client portfolio with a focus on generating commercial real estate (CRE) loans, non owners-occupied properties, including construction and bridge lending, as well as deposits and other banking solutions. The Relationship Manager II will perform all the duties and have the responsibilities of a Relationship Manager I level position with added lending approval authority. These duties and responsibility include the sale, credit analysis, proper loan structuring and documentation, loan servicing, client interviewing and perceptive character judgment. Acting as the principal account relationship manager for new and existing clients by developing, generating, and following up on new client leads through referrals and phone calls.
Essential Duties
- Build and manage a portfolio of commercial and/or CRE clients through business development, relationship cultivation, and cross-selling financial solutions
- Generate and manage a pipeline of commercial real estate loans
- Support client retention and sales initiatives by delivering exceptional service
- Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities
- Establish and maintain an excellent rapport with key branch customers, including those with complex financing and depository requirements by making monthly retention calls on selected deposit customers
- Provide detail explanations of different types of loans and credit options available to customers by analyzing applicants’ financial information, credit worthiness, and property to determine feasibility of granting loans
- Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed
- Recommend loan approval or decline to credit administration or submit to credit analyst for verification and/or recommendation
- Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and update all credit loan files and loan agreements with current financial information to ensure that they are complete an accurate according to policy
- Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and update all credit loan files and loan agreements to ensure that they are complete an accurate according to policy.
- Monitors loan repayment activities and takes necessary action to collect any past–due accounts as consistent with bank policy
- Assist customers and follow up on outstanding items
- Collaborate with the Branch Manager on employee development, management activities, and operational functions
The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator ID issued through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.
Required Knowledge
- Regulation CC
- Regulation DD
- Regulation E (EFT)
- Bank Secrecy Act
- FDIC Insurance
- Privacy Laws
- Regulation BB (CRA)
- Regulation B (ECOA)
- Regulation X (RESPA)
- Regulation Z (Truth about Lending)
- Fair Credit Reporting Act
- UCC
- Deposit Products
- Investment Products
- Loan Products
- Loan Documentations
- Account Services
- Trust Services
- Bank Operations
Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.
Basic Knowledge, Skills and Abilities
- Business Development Skills
- Time Management Skills
- Supervisory/Management Skills
- Clear understanding of the English Language (Spoken & Written)
- Basic Mathematics Skills
- Telephone Skills
- Customer Service Skills
- Critical Thinking, Judgment & Problem Solving Skills
- Ability to actively listen & learn
- Ability to use oral communication techniques to sell products or services
- Ability to respectfully communicate with Supervisors and Co-workers
- Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts
Equipment Operated
- Telephones/Cell Phones
- Desk and/or Laptop Computers
- Standard Office Equipment (copiers, fax machines)
Physical Requirements & Work Environment
- Requires standing and/or sitting for prolong periods of time.
- Requires lifting up 10lb
- Office setting w/controlled temperature
- Up to 25% traveling
Education and Experience
- High School Diploma or equivalent required
- Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required
- A minimum of 10 -15 years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management
Additional Requirements
- Ability to travel to various bank locations as needed
- Some Saturday hours are required
As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.
This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.
Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.
