Small Business Relationship Manager - San Jose - $7,500 Sign-on Bonus
About The Position
The Small Business Relationship Manager NMLS delivers excellent customer service in alignment with U.S. Bank Core Values and provides comprehensive financial solutions to complex small business clients. Clients generally have annual revenues between $500,000 and $2.5 million, typically not exceeding $5 million. The role deepens existing customer relationships through routine calling and develops new opportunities through business development. It combines digital tools with strong personal connections, manages a portfolio, and partners across internal and external networks to grow revenue and support client outcomes. The position requires working from a U.S. Bank location for all scheduled work days. It requires National Mortgage Licensing Service (NMLS) registration under the S.A.F.E. Act of 2008 and Regulation Z, with ongoing compliance with applicable legal and regulatory registration requirements. The role also ensures compliance with the U.S. Bank Code of Ethics, anti-money-laundering and Bank Secrecy Act requirements, information security policies, suspicious activity reporting procedures, and related training and account-opening processes. Other duties may be assigned.
Requirements
- Expert-level consultative selling, financial analysis, and relationship management skills.
- Advanced business acumen, underwriting expertise, and product knowledge.
- Strong understanding of banking operations, sales, new business development, customer service and relations, and community relations.
- Professionalism and strong working knowledge of applicable lending policies, credit structures, products, services, and regulatory requirements.
- Typically a bachelor’s degree or equivalent work experience.
- Three to four years of experience in relationship banking.
- NMLS registration under the S.A.F.E. Act of 2008 and Regulation Z, with ongoing compliance with legal and regulatory registration requirements, including maintaining a satisfactory criminal and credit record.
- Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Responsibilities
- Prospect for new small business clients and deepen existing relationships to drive year-over-year revenue growth, loan production, deposits, and broader relationship value.
- Conduct discovery conversations to understand clients’ businesses, goals, financial needs, credit profiles, and growth opportunities.
- Serve as the primary point of contact for small business clients and recommend appropriate solutions across loans, deposits, cash management, and other core banking products.
- Design and structure financial solutions aligned with client objectives, credit standards, portfolio quality expectations, and responsible banking practices.
- Manage portfolio performance and credit quality by monitoring market trends, identifying developing risk indicators, and applying sound underwriting judgment.
- Partner with underwriting, portfolio management, and internal teams to support timely reporting, responsive portfolio management, and effective client outcomes.
- Address client concerns and coordinate across business lines, engaging specialists as needed to deliver integrated solutions.
- Build community relationships, engage with local organizations, and identify business development opportunities that increase visibility and support community impact.
- Ensure compliance with applicable ethics, anti-money-laundering, Bank Secrecy Act, information security, and suspicious activity reporting requirements and procedures.
- Participate in required corporate and business-line training, follow account-opening procedures, and understand internal suspicious activity referral requirements and processes.
- Perform other duties as assigned.
Benefits
- Healthcare (medical, dental, and vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Pregnancy disability and parental leave
- 401(k) and employer-funded retirement plan
- Paid vacation (from two to five weeks depending on salary grade and tenure)
- Up to 11 paid holiday opportunities
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law
- Incentives based on employee production under the applicable incentive plan
- Incentive and recognition programs
- Equity stock purchase
- 401(k) contribution and pension, subject to eligibility requirements
- $7,500 sign-on bonus
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
