Relationship Manager

INTRODUCTION

We welcome you to join our Chino Commercial Bank Team!

We are currently seeking an Experienced and Qualified Relationship Manager in Commercial Real Estate, Portfolio Managment, and Portfolio Development who is passionate, driven, collaborative, and solutions minded individual to join our team.

We are dedicated in creating a championing environment where you can grow and thrive.

Our Mission is to provide exceptional customer service to make a difference in the lives of our customers and communities.

SUMMARY

The position of Relationship Manager is responsible for all aspects of overseeing the credit quality of a defined Bank loan portfolio including new credit requests from existing and potential customers. Duties include gathering and analyzing credit information on current and potential borrowers; writing credit memoranda, conducting periodic loan reviews of existing credit relationships and making site visits as needed. This position is responsible to call on potential or existing customers to develop new deposit, loan and merchant business and increase or retain existing business relationships for a specific target market of small to medium size businesses and business professionals, and attain established individual, department and Bank goals through active participation in sales management and officer call programs. The position of Relationship Manager is responsible for promoting business for the Bank by providing and maintaining a superior level of customer relations and service and referring customers to appropriate staff for new services; ensuring compliance with Bank policies and procedures. This employee must maintain compliance within audit, internal controls, security, BSA, and CTR standards.

ESSENTIAL DUTIES

1. 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.
2. Gathers data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.
3. Compiles data from credit bureaus, conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons.
4. Writes financial reviews and reports; makes recommendation on loan structures and terms to the Chief Credit Officers.
5. 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.
6. Originates and manages loans in accordance to Bank policies, procedures and federal regulations.
7. Engages in business development activities and solicitation of new business prospects; participates in community affairs, business and service organizations, including public speaking; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services; investigates and follows-up on significant changes in status of existing customers; meets with customers to discuss needs and outline appropriate Bank services and to resolve problems as necessary; assists in the organization of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results; and reviewing marketing strategies in relation to department and Bank goals and recommending suitable marketing approaches.
8. Handles loan closings including signing of loan documents, ordering loan documents and working with the Note Department to facilitate closing.
9. On assigned credit relationships contacts borrowers directly when up-to-date financial statements are needed; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
10. Responsible for reviewing and renewal of existing credit facilities including preparation of Credit Memoranda.
11. Manages Special Assets as assigned including writing Problem Loan Reports working with Chief Credit Officer to develop workout plans.
12. Follows for collection of past due payments, tickler requirements, etc. as needed on assigned portfolio.
13. Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
14. May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
15. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
16. Assists in providing deposit and loan account ratings for loan officers.
17. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
18. Operates computer terminal or personal computer to obtain and process data.
19. Answers telephones, answers questions and directs callers to proper Bank personnel.

SECONDARY DUTIES

The position of Relationship Manager performs duties specific to the position and other functions as assigned.

SUPERVISORY RESPONSIBILITY

The position of Relationship Manager is not responsible for the supervision of any employee(s); however, is required to provide limited supervision, training and support to less experienced department members.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

The environment for this position is an open office that is mostly clean and comfortable. The employee is in a non-confined office-type setting in which he or she is free to move about at will. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), encoder, money counter, credit card terminal, typewriter, computer terminal, personal computer and related printers.

MENTAL DEMANDS

The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, and multiple concurrent tasks.

POSITION REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• A Bachelor’s degree (BA) or equivalent from an accredited four year college or university; two to five years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Knowledge of commercial, construction, real estate and consumer loan processing.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to effectively present information and respond to questions from groups of managers, customers, and members of the general public.
• Skills in computer terminal and personal computer operation; mainframe computer system; and word processing and spreadsheet software.
• Basic typing skills to meet production needs of the position.
• Basic math skills; 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.
• Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.
• Excellent organizational and time management skills.
• Ability to work with minimal supervision while performing duties.
• Current California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

The incumbent must be able to perform this position safely, without endangering the health or safety to himself or herself or others.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will posses the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities.