Relationship Manager

About the role

This position is available at our Santa Cruz and Salinas locations. Travel to client offices and other sites is required.

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 within our community-focused bank.
• Gains deep understanding of the clients' business objectives and creates strategic recommendations based off of this understanding.
• Develops new business and increases or retains 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 requests 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).

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.

Physical Demands

• The physical demands described here are representative of those that must be met by a teammate to successfully perform the essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Moderate noise (i.e., business office with computers, phone, and printers, moderate traffic).
• Ability to work in a confined area.
• Ability to sit or stand at a computer terminal for an extended period.

Work Environment

• The work environment characteristics described here are representative of those a teammate encounters while performing the essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Moderate noise (i.e., business office with computers, phone, and printers, moderate traffic).
• Ability to work in a confined area.
• Ability to sit or stand at a computer terminal for an extended period.