Commercial Relationship Manager

City First Bank N.A. • Los Angeles, CA

85d

About The Position

City First Bank N.A. is a mission-driven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved, urban markets with the highest needs to drive equitable economic development. Our credit activities are purely commercial and focused on the following segments: Multifamily Affordable Housing, Not-for-Profit Finance, and Small Business Finance. As a depository and commercial lending provider with over $1.3 billion in bank assets as of December 31, 2024, our unified organization has over 100 employees in Washington DC and Los Angeles/Inglewood, CA. The Relationship Manager (RM) is primarily responsible for soliciting new business and managing customer relationships of small businesses and not-for-profit organizations (including churches and charter schools, among others). These activities generally include loans for working capital, expansion, and the acquisition or renovation of nonresidential owner-occupied real estate. In addition, the RM is responsible for soliciting new business and managing relationships of the bank’s commercial real estate customers (investors and developers) and prospects including office, retail, shopping strips, warehouse, industrial, facilities and land development, primarily for investment purposes. These lending activities generally include loans for acquisition, new construction, renovation, and refinancing. The position reports to the Commercial Banking Team Leader. The RM will develop business geared toward growth in new customer relationships, strengthening and expanding existing customer relationships, increasing profitability, and elevating the Bank’s reputation in the marketplace. The RM is responsible for all phases of loan and deposit production, including lead generation, closing, and relationship management. The RM is an officer of the Bank, participating and presenting loans for approval in the Mangers’ Loan Committee (MLC) and Directors’ Loan Committee (DLC) of the Bank, as well as other staff meetings as required. While the duties and responsibilities associated with underwriting and loan administration will reside principally with the Credit staff, RMs will remain accountable for the credit quality of their relationships, including but not limited to adherence to Loan and Credit policies and procedures, and other bank policies and procedures as they relate to his/her loan portfolio.

Requirements

• Bachelor’s Degree in finance, accounting or business required or 3 additional years of experience in commercial credit analysis and commercial underwriting.
• 3+ years of portfolio management and commercial underwriting experience.
• 3+ years of proven sales record in meeting or exceeding goals in commercial lending.
• Formal or in-house credit training; counts toward one year of experience.

Nice To Haves

• Supervision of a team or in a leadership role.

Responsibilities

• Develop new – and expand existing – commercial loan and deposit relationships through targeted calling and community relations work.
• Maintain a targeted calling program focused on expanding current business and attracting new business to the Bank.
• Develop and deliver status reports to the ECRE and management staff on a regular basis.
• Research and establish target markets and mine existing portfolio to better understand current product/services used and increase wallet share.
• Provide support to the ECRE, other RMs, senior management, and the Credit staff through joint calls, training and shared market intelligence.
• Recommend new products and services to generate fee, contract, and services revenue.
• Establish and maintain relationships with industry influencers and key community and strategic partners.
• Attend various promotional events including trade shows, business seminars, receptions, etc.
• Support the ECRE in providing ongoing services to existing customers.
• Assist the Credit staff in providing follow up on Annual Reviews of customer relationships.
• Accountable for a loan portfolio consistent with the Bank’s credit policies, underwriting guidelines, and procedures.
• Review loan write-ups to ensure consistent presentation of information.
• Monitor risk ratings and assure they are kept current and accurate.
• Respond quickly to correct regulatory, audit and compliance deficiencies.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 51-100 employees