Relationship Manager IV - Commercial Banking, Commercial Banking (Remote, Orange County, CA)

Salary Range:

$124,300.00 - $205,000.00

(Depending on knowledge, skills, abilities and location.  Certain level jobs may be eligible for bonus, commission, and/or equity awards.)

Posting Date:

December 17, 2024

This job will be open and accepting applications for a minimum of three days from the date it was posted.

Benefits* worth writing home about:

• Medical, dental, and vision coverage for employees and their families
• Life, disability and family Leave
• 401(k) and Roth 401(k) with employer match
• Wellness program, employee assistance program, “Commute Trip Reduction” (CTR) and various employee discounts 
• Generous vacation, sick leave, 11 paid holidays, and 16 hours of paid leave every year for community service work
• Free employee checking account and employee home loan discounts

*For eligible employees averaging 20 or more hours per week.

EO/AA Employer including Vets and Disabled.

Qualified applicants with arrest and conviction records will be considered in accordance with legal requirements.

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California applicants may click this link Fair Chance Ordinance for Los Angeles County to see additional information.

Job Description Summary:

Job Details:

PRIMARY FUNCTIONS:

Business Development

• Accountable for the attainment of annual business development goals for loan and deposit production, loan fee income generation, cross sales, and portfolio retention. 
• Promotes sales delivery through aggressive relationship building with centers of influence and commercial clients and prospects.
• Works with Manager to identify and develop new markets within the Bank’s footprint and expand banking opportunities in accordance with the Bank’s strategic plan.
• Maintains a strong working knowledge of the Bank’s loan, deposit, and other products and services.
• Meets with and interviews clients/prospects.  Seeks opportunities to build relationships, working within the prescribed framework of the Bank’s policies and procedures to offer flexible and competitive banking solutions, including business loans, lines of credit, deposit and other business products and services. 
• Participates in joint calls with cash management, commercial deposit services, and/or retail branch representatives, as appropriate, to assist with offering complete banking solutions to clients and prospects.
• Gathers the necessary loan application package/documents, along with business, financial and personal background information required to move forward with client’s credit request.
• In coordination with Underwriting Group, reviews loan requests and credit history, along with financial statements and spreads, to determine whether proposed credit application includes all information needed and meets lending criteria outlined in the Bank’s lending policies, procedures and guidelines.
• Working with Manager and Underwriting Group, prepares proposed credit outlines (pre-flights), including recommendations for loan pricing and terms, to present to Credit Administration for concurrence prior to proceeding with in-depth client negotiations of various and more complex terms and conditions or “indications of interest”.
• With the assistance of the Underwriting Group, prepares well developed credit memorandum that conforms to the Bank’s required underwriting format and guidelines, seeking assistance from Team Leader, Regional President or Market President, as needed, to ensure that all complex issues have been adequately addressed.
• Working with the Manager, participates in formal credit approval process by presenting loans for approval to the required level of authority and/or appropriate Loan Committee.
• Communicates credit approvals to clients, delivers loan documents for signature, and ensures that loan request is processed and booked. 
• Ens