Commercial Relationship Manager I-III

FFB Bank•Modesto, CA

18h

About The Position

The Commercial Relationship Manager I-III is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in accordance with the Bank’s lending policies and procedures. The role develops and manages business checking, deposit, and lending relationships, promotes the Bank’s products and services through client relationships and internal referrals, and supports portfolio growth and credit quality. Responsibilities vary by experience and level, from supporting commercial lending activities to independently managing a portfolio or leading complex commercial transactions. The position may earn performance-based incentives through multiple incentive plans in addition to base compensation. The role involves working in an office or home office environment and traveling up to 75%, including frequent trips to client locations, sales presentations, conferences, corporate events, and training sessions. Travel may involve long-distance flights, overnight stays, and local transportation. The role requires compliance with Bank policies and applicable laws and regulations, including confidentiality, data privacy, and role-specific AML/CFT responsibilities.

Requirements

At least 5 years of related experience in banking, financial services, or a relevant industry.
Proficiency with Microsoft Office Suite, including Excel, Word, and Outlook.
Experience growing marketing and business development expertise through direct customer engagement.
Advanced math skills, including calculating interest, commissions, proportions, and percentages; balancing accounts; performing arithmetic with whole numbers, fractions, and decimals; locating routine mathematical errors; computing rates, ratios, and percentages; and drafting and interpreting bar graphs.
Demonstrated ability to cross-sell and confidently explain products and services.
Knowledge of commercial banking products and services and a strong understanding of federal compliance regulations.
Ability to take initiative and effect change through consensus building, negotiation, and conflict resolution.
Effective oral, written, and interpersonal communication skills, including the ability to follow instructions, interpret documents, understand procedures, write reports and correspondence, and communicate clearly with customers, vendors, and employees.
Strong organizational and time-management abilities with attention to detail.
Teamwork and relationship skills that support cross-functional collaboration and team success.
Willingness to take on special projects and other assigned duties to support team and organizational needs.
Commitment to continuous learning and professional development to stay current with industry standards and best practices.
Authenticity and integrity in professional interactions to maintain trust and credibility.
Ability to manage multiple priorities and meet deadlines in a dynamic environment.
Ability to work independently with minimal supervision and as part of a team.
Ability to adapt to changing priorities and procedures.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Ability to perform work involving writing, typing, speaking, lifting moderate weights, and operating office equipment; physical activities include sitting, walking, and reaching. Reasonable accommodation may be made for individuals with disabilities.

Nice To Haves

Bachelor’s degree from an accredited college or university, preferably in Business, Finance, or a related field.

Responsibilities

Generate leads through outbound calls, emails, networking, and in-person meetings.
Build and maintain relationships with prospective and existing clients to develop long-term business opportunities.
Use CRM systems to track interactions, update customer records, and manage pipeline activity.
Interview prospective applicants, request information for loan or credit applications, and follow up to resolve questions about application information.
Assess and analyze the financial condition and risk of financing requests within the Bank’s credit culture and in light of economic and industry trends.
Gather and analyze information for financing requests presented to Senior Management or the Loan Committee; meet with customers, visit loan sites, and negotiate loan terms and conditions.
Coordinate processing of approved loans, obtain required customer information and documentation, resolve processing and servicing issues, and approve disbursements in accordance with agreements.
Research credit inquiries and UCC filings to assess creditworthiness and collateral positioning; ensure collateral certifications or deletions are handled by appropriate personnel.
Negotiate, underwrite, and process credit facility renewals.
Approve loan payments, line-of-credit draws, and fund transfers within specified limits.
Authorize commitment, engagement, auction, and decline letters.
Contribute to branch and regional profitability through cost controls, income generation, marketing efforts, and expense monitoring.
Verify funds with mortgage companies and contractors.
Maintain knowledge of the financial industry, economy, market conditions, rates, vendors, and competition.
Represent the Bank at community, civic, and community reinvestment functions to enhance its image and develop business.
Review NSF and overdraft reports for assigned customers and approve or decline exceptions within established lending limits.
Provide deposit and loan account ratings.
Coordinate with legal counsel and collectors on workouts, bankruptcies, and charge-offs, ensuring appropriate precautionary measures are taken.
Achieve annual deposit and loan growth goals assigned by Senior Management.
Provide leadership and training to less experienced loan officers and other staff members.
Apply the Bank’s TRAC values—Teamwork, Relationship, Authenticity, and Commitment—in daily interactions and decision-making.
Complete administrative tasks promptly, including required Bank Compliance Training.
Respond to internal and external inquiries through email, phone, or messaging platforms in a timely and professional manner.
Represent the Bank positively through ethical conduct and community involvement.
Support EEO policies and foster a respectful, inclusive workplace that values cultural differences, prevents harassment, and supports a diverse workforce.
Follow Bank policies and procedures and applicable state and federal laws, rules, and regulations, while maintaining confidentiality and data privacy and performing role-specific AML/CFT responsibilities.