Relationship Manager

West Coast Community Bank • San Jose, CA

just now • Onsite

About The Position

This is an on-site position at our upcoming San Jose location. Travel to client offices and other sites is required.
The Relationship Manager builds and maintains strong client relationships by providing personalized financial solutions and trusted guidance. This role partners closely with clients and internal teams to support growth, retention, and exceptional service within our community-focused bank.
Gain deep understanding of the clients' business objectives and create strategic recommendations based off of this understanding. Develop new business and increase or retain existing business loan and deposit relationships.
Serve as the key banking relationship manager for your portfolio of client relationships. Service all types of business and individual loans and lines of credit, both secured and unsecured.
Keep informed as to the status of loans in assigned portfolio. Follows-up on current loans to ensure compliance with internal procedures and other required terms.
In partnership with the Treasury Management department, assembles and leads cross-functional team to quickly respond to client request and identified needs. Utilizes team of experts to creatively present the full breadth of the bank.
Maintains active prospecting effort, including identification, qualification and calling. Consistently balances prospecting efforts and quality client maintenance responsibilities.
Makes decisions on loans and terms within established lending limits. Analyzes credit to determine the ability of clients and prospective clients to qualify for ensuing borrowing requirements.
Studies market industrial, economic and financial situations relating to new or existing business as part of prudent business development and portfolio management disciplines.
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

Requirements

• Bachelor's Degree in business, finance, or related field preferred, or equivalent experience required.
• Minimum 5-7 years related experience in underwriting business and real estate transactions.
• Proven track record of success in developing new business, growing market share and establishing/growing a quality network.
• Thorough understanding of local market and solid base of contacts.
• Thorough knowledge of Bank products and software.
• Working knowledge of the Bank’s systems and policies applicable to underwriting and portfolio management.
• Expert credit acumen (accounting, financial statement, understanding business and understanding of operational cash flow) with the ability to support complex deals.
• Ability to establish and maintain effective working relationships with employees, supervisors, executives, and other departments.
• Ability to complete multiple, diverse tasks of differing priorities without close supervision.
• Ability to perform tasks and achieve results with a high degree of accuracy and precision.
• Excellent written and verbal communication skills, with specific ability to translate complex financial information into an organized and presentable manner.
• Excellent administrative and organizational skills.
• Proficient in Microsoft Office (Excel, Word, and PowerPoint).

Responsibilities

• Builds and maintains strong client relationships by providing personalized financial solutions and trusted guidance
• Partners closely with clients and internal teams to support growth, retention, and exceptional service
• Gains deep understanding of the clients' business objectives and create strategic recommendations
• Develops new business and increase or retain existing business loan and deposit relationships
• Serves as the key banking relationship manager for your portfolio of client relationships
• Services all types of business and individual loans and lines of credit, both secured and unsecured
• Keeps informed as to the status of loans in assigned portfolio
• Follows-up on current loans to ensure compliance with internal procedures and other required terms
• In partnership with the Treasury Management department, assembles and leads cross-functional team to quickly respond to client request and identified needs
• Utilizes team of experts to creatively present the full breadth of the bank
• Maintains active prospecting effort, including identification, qualification and calling
• Consistently balances prospecting efforts and quality client maintenance responsibilities
• Makes decisions on loans and terms within established lending limits
• Analyzes credit to determine the ability of clients and prospective clients to qualify for ensuing borrowing requirements
• Studies market industrial, economic and financial situations relating to new or existing business as part of prudent business development and portfolio management disciplines
• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities knowledge may be gained through coursework and on-the-job training
• Keeps up to date on regulation changes
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert

Benefits

• Medical, dental, and vision plans
• Vacation, sick leave, paid Holidays
• Paid volunteer time
• Employer paid life insurance
• 401(k) with employer matching
• Ongoing training, professional development and career advancement opportunities

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level