Team Lead PBB

City National Bank • Los Angeles, CA

2d • Onsite

About The Position

Develops and manages relationships with business and preferred clients in the assigned business segment and/or geographic areas. Presents a variety of product solutions to client needs. Provides responsive, quality service. Approves transactions within delegated authority. 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.

In addition to functioning as a Sr. Relationship Manager, the Team Lead provides oversight and guidance to Relationship Managers for an assigned office or location.
Acts as a player coach, assisting with the development, coaching, and motivating of team members; as well as providing input with staff development.
Manages and develops relationships with commercial clients in the assigned business segment and/or geographic areas.
Presents a variety of product solutions to client needs.
Provides responsive, quality service.
Approves transactions within delegated authority.
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.
Creates and maintains effective relationships within and among team, ensuring that lines of communication remain open and clients are serviced at a consistently high level.

Requirements

• Bachelor's Degree or equivalent
• Minimum 10 years of lending experience required.
• Minimum 5 years of credit experience required
• Good understanding of all products and services applicable to target client segment.
• Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures.
• Demonstrated sales and marketing abilities.
• Good credit analysis and accounting skills.
• Capable of working well independently and in teams.
• Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility.
• Strong interpersonal, verbal, and written communication skills.
• Strong demonstrated sales and marketing abilities including cross selling skills.
• Superior client relationship skills.
• Good understanding of commercial and personal credit policies and procedures.
• General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction.
• Sound credit analysis and accounting skills.
• Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility.
• Must be capable of working well independently and in teams.
• Strong interpersonal, verbal, and written communication skills.

Nice To Haves

• Excellent product and operational knowledge.
• May possess excellent corporate finance knowledge depending on the diversity of the portfolio.
• Excellent negotiation and closing skills.
• Usually requires over six years of experience.

Responsibilities

• Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank.
• Actively works with customers and develops prospects consistent with the credit culture of the bank. Is pro-actively identifying and working with customers to ensure the credit quality standards of the bank.
• Develops relationships and support other CNB departments and colleagues to provided customers and prospects the solutions recommended. Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.
• Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry. Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts. Sets objectives for each relationship in terms of revenue contribution, etc.
• Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
• Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgement in approving transactions. Recommends approval when transaction size exceeds authority limits. Ensures the quality of all business introduced to the Bank.
• Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
• Interfaces with other Bank departments as necessary. Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction. Resolves all client needs and any internal issues.
• Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.
• Monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.
• Maintains awareness of competitive products, practices, rates and changes in market conditions.
• Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
• Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential.
• Utilizes a high degree of creativity and independence in developing and managing a large portfolio of diverse and complex banking relationships.
• Acts as a consultant to clients and a resource to the Bank in developing and retaining business.
• Provides oversight and guidance to Relationship Managers for an assigned office or location.
• Acts as a player coach, assisting with the development, coaching, and motivating of team members; as well as providing input with staff development.
• Creates and maintains effective relationships within and among team, ensuring that lines of communication remain open and clients are serviced at a consistently high level.

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