Relationship Manager CB

City National Bank • San Francisco, CA

4h • Onsite

About The Position

The Relationship Manager Commercial Banking develops and manages relationships with commercial clients in assigned business segments and/or geographic areas. This role involves presenting various product solutions to meet client needs, providing responsive and quality service, and approving transactions within delegated authority. The manager is responsible for the overall relationship profitability and portfolio risk, as well as the profitable growth of the assigned portfolio. This is achieved through active calling efforts, referrals from existing customers, delivering exemplary service, identifying and promoting solutions, and maintaining a consistent calling program.

Requirements

• Bachelor's Degree or equivalent
• Minimum 3 years of lending experience required.
• Minimum 3 years of credit experience required
• Good understanding of all products and services applicable to target client segment.
• Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures.
• Demonstrated sales and marketing abilities.
• Good credit analysis and accounting skills.
• Capable of working well independently and in teams.
• Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility.
• Strong interpersonal, verbal, and written communication skills.
• Strong demonstrated sales and marketing abilities including cross selling skills.
• Superior client relationship skills.
• Good understanding of commercial credit policies and procedures.
• General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction.
• Sound credit analysis and accounting skills.
• Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility.
• Must be capable of working well independently and in teams.
• Strong interpersonal, verbal, and written communication skills.

Responsibilities

• Identifies, develops, and builds profitable relationships with prospects and customers consistent with the objectives of the bank.
• Actively works with customers and develops prospects consistent with the credit culture of the bank, proactively identifying and working with customers to ensure credit quality standards.
• Develops relationships and supports other CNB departments and colleagues to provide customers and prospects with recommended solutions.
• Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.
• Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program.
• Identifies business opportunities and solicits referrals of other Bank products or services externally from existing customers, a network of referral sources, and other professionals in the industry.
• Develops a strong understanding of company, industry, business, and needs to assist in customer calling efforts.
• Sets objectives for each relationship in terms of revenue contribution.
• Calls on existing or prospective clients to discuss and promote all Bank products and services to establish a total client banking relationship.
• Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs.
• Brings in product specialists, as necessary, to help problem solve or structure transactions.
• Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensuring conformance with Bank policy and regulatory requirements.
• Exercises sound credit and risk judgment in approving transactions.
• Recommends approval when transaction size exceeds authority limits.
• Ensures the quality of all business introduced to the Bank.
• Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
• Interfaces with other Bank departments as necessary, defining responsibilities and coordinating objectives for all product areas in a relationship or transaction.
• Resolves all client needs and any internal issues.
• Monitors and analyzes relationship results and account activities, determining client profitability.
• Makes recommendations regarding accounts to be further developed or eliminated.
• Prepares reports for management.
• Monitors portfolio for quality, risk, and adherence to policy, working with appropriate staff departments to resolve issues.
• Maintains awareness of competitive products, practices, rates, and changes in market conditions.
• Analyzes problem credits and meets with clients to develop solutions to minimize loss exposure.
• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
• Manages relationships in the portfolio that may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, control risk, and maximize cross-selling potential.

Benefits

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Valued Time Away benefits including vacation, sick and volunteer time
• Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees