Careers

Walnut Creek, CA

POSITION OVERVIEW:

The Commercial Banking Team Lead/Relationship Manager is highly experienced, accomplished, and respected banker to lead a commercial banking team and to expand the Bank’s business throughout the nine Bay Area counties. They should have a proven track record of managing and developing a team of bankers, expanding existing and acquiring new banking relationships while maintaining high credit quality and sound business practices. The Team Leader is responsible for enhancing the Bank’s overall presence in the local market and will represent the Bank in local communities.

The team leader is responsible for supervising and ensuring team production goals are achieved. In addition to the management responsibilities, the team leader is responsible for developing and managing his/her own client relationships with local businesses in the San Francisco Bay Area. Client relationships include deposit, loan and personal banking products and services. The manager is responsible for ensuring that the team’s loans adhere to the Bank’s credit and profitability standards and policies. The team leader will assist with processing of all loans originated and managed by the unit. The team leader also assures compliance with all applicable state and federal banking regulations, Bank policies and procedures including but not limited to the Bank Secrecy Act/Anti Money Laundering Program and Information Systems Security Policies.

RESPONSIBILITIES:

• Manage and expand existing client relationships and develop and manage new client relationships. This involves prospecting for new clients through outbound telephone and in-person calling; attendance at networking groups and events; interviewing loan applicants; collecting and analyzing information that reflects the current credit worthiness of prospects; and presenting loan recommendations to the Bank’s Chief Credit Officer and loan committee(s) as appropriate. It also involves working with the Bank’s operations team to set up a client’s new accounts and cash management services and preparing portfolios for loan examinations and audits.
• Supervise, coach and mentor team members to assure that they and the team meet budgeted goals while adhering to the Bank’s credit and profitability standards and policies.
• Establish and negotiate, where necessary, the terms under which credit will be extended, including the costs, repayment method, schedule, and collateral.
• Responsible for ongoing loan management of portfolio (e.g., making sure loans are properly risk-rated, assuring that borrowers required financial reporting is kept current, reviewing borrowers’ financials, and following up any past-due loan payments).
• Represents the Bank at community, networking, and trade association functions.
• Meets assigned budget and goals (individually and the team).
• Assists with the processing of all loans originated and managed by the unit. This includes working with the Underwriting Department in preparing loan presentations and working with support staff to order and review loan documents; performing client service functions; and obtaining documentation and financial statements required under loan tickler system. Further assistance with the government-guaranteed loans includes reviewing and approving advance requests for multiple advance non-revolving term loans; processing forms, statements, and documents; and working with outside consultants and agencies assisting the bank with this line of business.
• May perform related duties as assigned or as the situation dictates.
  

REQUIREMENTS:

• College or advanced degree in business or related field.
• Thorough knowledge of all aspects of commercial banking (e.g., credit; depository, cash management and loan products; BSA; and compliance-related regulations). A knowledge of government-guaranteed loan programs is preferable. It is also preferable to have strong knowledge of and ties to the San Francisco/Bay Area market served by the Bank.
• Excellent verbal and written skills to communicate effectively with others within the Bank and with the Bank’s clients, prospects, shareholders, and directors, while maintaining a high level of confidentiality.
• Strong management skills to use in mentoring, coaching and motivating Team Members to excel in their jobs.
• A high degree of client service and administrative skills including knowledge of Microsoft Office programs such as Outlook, Word, and Excel.
• Ability to organize and prioritize in situations where changes frequently occur.
• Strong credit and analytical skills. Attention to detail is critical.
  

Walnut Creek, CA

The Relationship Manager is responsible for developing and managing client relationships with local businesses in the San Francisco Bay Area. Client relationships include deposit, loan and personal banking products and services. Loans should adhere to the Bank’s credit and profitability standards and policies. This position also assists with the processing of all loans originated and managed by the unit.

RESPONSIBILITIES:

• Manage and expand existing client relationships and develop and manage new client relationships.
• This involves prospecting for new clients through outbound telephone and in-person calling; attending networking groups and events; interviewing loan applicants; collecting and analyzing information that reflects the current creditworthiness of prospects; and presenting loan recommendations to the Bank’s Chief Credit Officer and loan committee(s), as appropriate. It also involves working with the Bank’s Operations Team to set up a client’s new accounts and cash management services and preparing the portfolio for loan examinations and audits.
• Establish, and negotiate, when necessary, the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral.
• Manage loan portfolio on an ongoing basis (e.g., making sure that loans are properly risk-rated, assuring that required financial reporting for borrowers is kept current, reviewing borrowers’ financials, and following up on any past-due loan payments).
• Represent the Bank at community, networking, and trade association functions.
• Meet assigned budget and goals.
• Assist with the processing of all loans originated and managed by the unit.
• This includes working with the Bank’s Underwriting Department to prepare loan presentations; working with support staff to order and review loan documents; performing client service functions; and obtaining documentation and financial statements required under the Bank’s loan tickler system. Further assistance with the government-guaranteed loans includes reviewing and approving advance requests for multiple advance non-revolving term loans; processing forms, statements, and documents; and working with outside consultants and agencies assisting the Bank with this line of business.
• Perform related duties as assigned or as the situation dictates.
  

REQUIREMENTS:

• College or advanced degree in business or a related field.
• Thorough knowledge of all aspects of commercial banking, as well as compliance and other government regulations (e.g., credit; depository, cash management and loan products; BSA; and compliance-related regulations).
• It is preferable to have a deep knowledge of, and ties in, the San Francisco/Bay Area market served by the Bank.
• It is preferable to have knowledge of government-guaranteed loan programs.
• Extensive commercial banking experience.
• It is preferable to have experience with both large banks and smaller, growing institutions.
• Excellent verbal and written skills to communicate effectively with others within the Bank and with the Bank’s clients, prospects, shareholders and directors, while maintaining a high level of confidentiality.
• Strong organizational, sales, credit and negotiation skills are required.
• Attention to detail is critical.
• A high degree of client service and administrative skills including knowledge of Microsoft Office programs such as Outlook, Word, and Excel.
• Ability to organize and prioritize in situations where changes frequently occur.
• Ability to travel throughout the Bank’s service area.