Relationship Manager Senior Hospitality

City National Bank • San Diego, CA

4d • Onsite

About The Position

This person is responsible for building and maintaining a profitable loan portfolio including selling related bank products and services. Presents a variety of product solutions to client needs. Provides responsive, quality service. Manages overall relationship profitability and portfolio risk and is responsible for profitable growth of the portfolio assigned. This may be accomplished through active calling efforts and referrals from existing customers, providing the CNB exemplary level of service, identifying and promoting solutions to customer needs, and maintaining an active calling program.

Requirements

• Bachelor's Degree or equivalent
• Minimum of 10 years commercial real estate lending experience - Hospitality focused.
• Minimum of 5 years credit experience.
• Excellent sales management and business development skills
• Proficiency in building and maintaining positive client relationships
• Ability to evaluate opportunities while understanding the risks associated with these product types and geographies.
• Strong creative solution and problem solving abilities
• Excellent business judgment and strategic thinking
• Good knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction
• Excellent organizational skills and the ability to manage, prioritize, work under pressure and meet tight deadlines
• Excellent verbal and written communications skills; able to effectively communicate clearly and concisely
• Strong interpersonal and influencing skills, with the ability to establish credibility and strong partnership with senior business and control partners
• Self-directed, proactive, and creative; uses sound judgment and navigates ambiguity to get things done
• Ability to work independently and take ownership of assignments

Responsibilities

• Identifies develops and builds profitable relationships with prospects and clients consistent with the objectives of the Bank.
• Pro-actively works to ensure the credit quality standards of the Bank are maintained.
• Develops relationships and supports other CNB departments and colleagues to provide client and prospect solutions.
• Participates in community activities as a representative of CNB, promoting and attracting new colleagues and clients.
• Manages a portfolio of relationships.
• Proactively monitors portfolio for ongoing credit quality, credit renewal, and adherence to policy.
• Insures accurate and timely risk identification.
• Works in cooperation with the appropriate team member and/or client to resolve issues and prevent potential financial liability/loss.
• Works with Regional Manager, Credit Manager and Credit Administration to negotiate, structure, and underwrite credit transactions that meet client needs and are consistent with the credit quality standards and operational compliance requirements of the Bank.
• Monitors the loan documentation process and closes the loan.
• Expands portfolio and grows revenue through calls on existing and potential clients to determine their financial needs and provide solutions.
• Identifies and collaborates with other CNB product experts to achieve cross-sell goals and helps solidify the client relationship.
• Establishes a referral network through existing relationships and calls on prospective clients and industry experts including lawyers, accountants and brokers.
• Develops a strong understanding of clients and Hospitality Industry to assist in customer calling efforts.
• Maintains awareness of competitive products, practices, rates and changes in market conditions.
• Calls on and collaborates with existing clients to determine their financial needs and offers solutions, many of which will result in additional cross-sales.
• Develops relationships and supports other CNB departments and colleagues to provide clients and prospects the solutions recommended.
• Proactively monitors portfolio for ongoing credit quality, credit renewal, and adherence to policy.
• Insures accurate and timely risk identification.
• Works in cooperation with the appropriate team member to resolve issues and prevent potential financial liability/loss.
• Works with clients to develop solutions to minimize loss exposure.
• Prepares reports for management.
• Supports other CNB departments and colleagues.
• Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
• May serve as a product specialist to Relationship Managers in other business units.
• Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).
• Completes all required training.

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: Senior
• Education Level: Associate degree