Commercial Relationship Manager I-III

FFB Bank•San Ramon, CA

14h

About The Position

The Commercial Relationship Manager I-III (CRM) solicits, negotiates, underwrites, and coordinates 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 Bank products and services through client relationships and internal referrals, and contributes to portfolio growth and credit quality. Depending on experience and level, the CRM may support commercial lending, independently manage a portfolio, or lead complex commercial transactions while serving as a trusted client advisor. The role also offers the opportunity to earn performance-based incentives through participation in multiple incentive plans. The position is based in an office or home-office environment and involves writing, typing, speaking, lifting moderate weights, and operating office equipment, as well as sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. Travel may be up to 75%, including frequent visits to client locations, sales presentations, industry conferences, corporate events, and training sessions; it may involve long-distance flights, overnight stays, and local transportation. The CRM is expected to embody the Bank’s TRAC values—Teamwork, Relationship, Authenticity, and Commitment—and to conduct business ethically, support an inclusive workplace, protect confidential information, and comply with Bank policies and applicable laws and regulations, including 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 developing 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; identifying routine mathematical errors; calculating 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 and procedures, prepare reports and correspondence, and communicate clearly with customers, vendors, and employees.
Strong organizational and time-management skills, with attention to detail.
Teamwork and relationship skills that support cross-functional collaboration and team success.
Willingness to take on special projects and other duties to support team and organizational needs.
Commitment to continuous learning and professional development.
Authenticity and integrity in professional interactions.
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 for assigned duties.

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 record interactions, update customer records, and manage pipeline activity.
Interview loan or credit applicants, request application information, and follow up to resolve questions.
Pre-qualify financing requests and assess applicants’ financial condition and risk in line with the Bank’s credit culture and current economic and industry trends.
Gather and analyze information for financing requests presented to Senior Management or Loan Committee; meet with customers, visit loan sites, and negotiate loan terms and conditions.
Coordinate approved loan processing, obtain required customer 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, and ensure appropriate collateral certification or deletion.
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 budget 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, and ensure 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.
Complete administrative tasks promptly, including required Bank Compliance Training, and respond professionally to internal and external inquiries.
Represent the Bank ethically and participate in the community; demonstrate understanding of and commitment to EEO policies and foster a respectful, inclusive workplace.
Follow Bank policies and procedures and applicable laws, rules, and regulations, maintaining confidentiality and data privacy while carrying out role-specific AML/CFT responsibilities.
Travel as needed, potentially up to 75%, for client visits, sales presentations, conferences, corporate events, and training.