Relationship Manager 1

Farmers and Merchants Bank of Long Beach•Santa Barbara, CA

About The Position

The Relationship will be responsible for building, maintaining, and expanding a high value client portfolio with a focus on generating commercial real estate (CRE) loans, non owners-occupied properties, including construction and bridge lending, as well as deposits and other banking solutions. The Relationship Manager I will work closely with the Regional Relationship Manager in developing and maintaining strong relationships with clients and providing quality customer service. The essential duties of this position have been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). As such, employees may be required to complete and maintain MLO registration through the National Mortgage Licensing System (NMLS) as a mandatory requirement of this position, at the discretion of the Bank. Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met. As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year. This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required. Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.

Requirements

Regulation CC
Regulation DD
Regulation E (EFT)
Bank Secrecy Act
FDIC Insurance
Privacy Laws
Regulation BB (CRA)
Regulation B (ECOA)
Regulation X (RESPA)
Regulation Z (Truth about Lending)
Fair Credit Reporting Act
UCC
Deposit Products
Investment Products
Loan Products
Loan Documentations
Account Services
Trust Services
Bank Operations
Business Development Skills
Time Management Skills
Clear understanding of the English Language (Spoken & Written)
Basic Mathematics Skills
Telephone Skills
Customer Service Skills
Critical Thinking, Judgment & Problem Solving Skills
Ability to actively listen & learn
Ability to use oral communication techniques to sell products or services
Ability to respectfully communicate with Supervisors and Co-workers
Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts
High School Diploma or equivalent required
A minimum of 5 -10 years of experience in field or related area with a strong emphasis on customer service and sales
Ability to travel to various bank locations as needed

Nice To Haves

Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required

Responsibilities

Build and manage a portfolio of commercial and/or CRE clients through business development, relationship cultivation, and cross-selling financial solutions
Generate and manage a pipeline of commercial real estate loans
Support client retention and sales initiatives by delivering exceptional service
Meet and/or exceed established sales and revenue goals while keeping expenses minimized. Manage service levels against customer expectations; identify quality gaps and follow-up with actions plans to address problem areas
Establish and maintain an excellent rapport with bank customers, including those with complex financing and depository requirements by making monthly retention calls on selected customers
Assist with risk management and ensure all team members are protecting the interests of Farmers & Merchants Bank while enhancing the customer experience
Resolve complex servicing problems, particularly for most profitable relationships
May engage in business activities by soliciting new accounts within the branch geographical area
Assist Regional Relationship Manager in driving successful branch sales targets and developing a productive sales team through mentoring and coaching to meet and exceed established sale objectives
Assist with management of loan portfolios including loan covenants
May assist Regional Relationship Manager with the analysis of current credit data and financial statements of individuals or business to determine the degree of risk involved in extending credit or lending money
Collaborate with the Branch Manager on employee development, management activities and operational functions