FVP, Relationship Manager

Cathay Bank•Houston, TX

1d•Onsite

About The Position

The Relationship Manager (RM) is responsible for both client-facing business development and portfolio management. This role is ideal for individuals in smaller lending teams who can handle both functions, or for those in larger teams looking to transition towards a Senior Relationship Manager role without immediate loan goal targets. The primary function is to identify and acquire new loan clients while also managing an existing assigned portfolio.

Requirements

U.S. College graduate with a major in related fields.
7-10+ years of commercial lending and banking experience.
Thorough knowledge of lending regulations and credit/underwriting practices.
Strong loan negotiation experience (rates, terms, collateral requirements).
Previous underwriting experience in commercial and energy lending.
Extensive knowledge and understanding of the Bank’s credit policy, risk management, underwriting requirements, and loan servicing.
Strong knowledge and understanding of commercial and specialty group banking products and services.
Demonstrated ability to cross-sell banking products and services.
PC proficient.
Excellent verbal and written communication skills.
Ability to work well independently to structure loans and/or lines of credit.
Must be organized and detail-oriented.
Ability to multi-task.
Ability to work effectively in a fast-paced, high production and team environment.
Excellent time management skills and accustomed to working with deadlines.
Ability to assume responsibility and accountability for decision-making.
Ability to communicate effectively with all levels of Bank personnel.

Nice To Haves

Bilingual (English/Mandarin or Cantonese) is a plus but not required.

Responsibilities

Identify and bring new clients to the Bank, meeting annual new loan commitment/outstanding goals set by the Team Manager.
Negotiate and structure primary loan terms with clients, circulating concept memos if needed before issuing term sheets/LOIs.
Collaborate with underwriters, loan assistants, and support staff to prepare Credit Commitment Reports (CCR) for new loans, renewals, amendments, and annual reviews.
Present CCRs to the appropriate approval authorities, taking ultimate responsibility for the content of the CCR, even though it is a team effort.
Review loan documents for accuracy, whether prepared internally or by outside counsel.
Manage the client experience during the loan closing process by working with loan assistants and support staff to ensure all necessary items are in process and well-managed.
Monitor and manage the credit quality of the assigned loan portfolio, ensuring each credit is properly risk-rated.
Review client accounts and portfolios to identify, evaluate, and address potential credit quality issues to minimize risk and potential loss to the Bank.
Ensure compliance with Bank, regulatory, and credit requirements, emphasizing excellent customer service within required timeframes.
Assist in mentoring and coaching junior officers and loan staff.