Commercial Banking Relationship Manager

California Bank & Trust•Sacramento, CA

1d•$160,000 - $230,000

About The Position

We are looking for a Commercial Middle Market Relationship Manager in Sacramento, CA. The Commercial Banking Relationship Manager is responsible for originating, structuring, and servicing a diverse portfolio of commercial loans while building strong, low-risk client relationships. This role combines advanced credit expertise with proactive business development to deliver tailored financial solutions and exceptional customer service. Key Responsibilities Business Development Generate new commercial banking relationships through prospecting, referrals, and networking. Develop and execute strategies to expand the bank’s presence in the market and achieve growth targets. Cross-sell treasury, deposit, and other bank products to deepen client relationships. Credit & Loan Structuring Lead the entire loan process from initial client engagement through underwriting, approval, and closing. Perform detailed credit analysis, including financial statement review, cash flow modeling, and collateral evaluation. Structure and negotiate complex commercial loans (C&I, CRE, asset-based lending) to meet client needs while mitigating risk. Monitor credit performance and covenant compliance; proactively address exceptions. Relationship Management Act as the principal account manager for new and existing clients. Conduct regular portfolio reviews and make recommendations to optimize client profitability. Deliver high-quality customer service and maintain a high degree of client satisfaction. Compliance & Risk Ensure adherence to credit policy, regulatory requirements, and risk management standards. Prepare and present credit packages for approval committees. Qualifications Bachelor’s degree in Finance, Accounting, or related field (MBA or formal credit training preferred). 6+ years of experience in commercial lending, credit analysis, underwriting, and relationship management. Expert knowledge of commercial loan products, credit structuring, and risk assessment. Proven ability to generate new business and expand existing relationships. Strong interpersonal, negotiation, and communication skills. Proficiency in financial analysis and common software applications (Word, Excel, CRM systems). Ability to manage a small to medium commercial portfolio effectively. This position is eligible to earn a base salary in the range of $160,000 - $230,000 annually plus bonus depending on job-related factors such as level of experience. Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive. As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register . Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

Requirements

Bachelor’s degree in Finance, Accounting, or related field (MBA or formal credit training preferred).
6+ years of experience in commercial lending, credit analysis, underwriting, and relationship management.
Expert knowledge of commercial loan products, credit structuring, and risk assessment.
Proven ability to generate new business and expand existing relationships.
Strong interpersonal, negotiation, and communication skills.
Proficiency in financial analysis and common software applications (Word, Excel, CRM systems).
Ability to manage a small to medium commercial portfolio effectively.

Nice To Haves

MBA or formal credit training

Responsibilities

Generate new commercial banking relationships through prospecting, referrals, and networking.
Develop and execute strategies to expand the bank’s presence in the market and achieve growth targets.
Cross-sell treasury, deposit, and other bank products to deepen client relationships.
Lead the entire loan process from initial client engagement through underwriting, approval, and closing.
Perform detailed credit analysis, including financial statement review, cash flow modeling, and collateral evaluation.
Structure and negotiate complex commercial loans (C&I, CRE, asset-based lending) to meet client needs while mitigating risk.
Monitor credit performance and covenant compliance; proactively address exceptions.
Act as the principal account manager for new and existing clients.
Conduct regular portfolio reviews and make recommendations to optimize client profitability.
Deliver high-quality customer service and maintain a high degree of client satisfaction.
Ensure adherence to credit policy, regulatory requirements, and risk management standards.
Prepare and present credit packages for approval committees.

Benefits

This position is eligible to earn a base salary in the range of $160,000 - $230,000 annually plus bonus depending on job-related factors such as level of experience.
Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other.
Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

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