VP, Relationship Manager

Cathay Bank•San Francisco, CA

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 who can handle both functions, typically found in smaller lending teams or for those transitioning to a Senior Relationship Manager role. The position focuses on identifying and acquiring new loan clients while also managing an existing assigned portfolio.

Requirements

U.S. College graduate with a major in related fields.
5-7 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 the relevant area of commercial 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 specific new loan commitment/outstanding goals.
Negotiate and structure the primary terms of loans 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 (CCRs) for new loans, renewals, amendments, and annual reviews.
Present CCRs to the appropriate approval authorities, taking ultimate responsibility for the content.
Review loan documents for accuracy, whether internally prepared 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.
Monitor and manage the credit quality of the assigned loan portfolio.
Review credits to ensure proper risk rating according to the Bank's system.
Analyze client accounts and portfolios to identify, evaluate, and address potential credit quality issues, aiming to minimize risk and potential loss.
Ensure compliance with Bank, regulatory, and credit requirements, emphasizing customer service and adherence to timeframes.
Assist in mentoring and coaching junior officers and loan staff.