ABOUT THE ORGANIZATION
SMBC MANUBANK was formed by a group of banking entrepreneurs in June 1962. Our scope is to serve the specialized needs of California middle-market businesses, manufacturers, wholesalers, distributors, importers, exporters, and service companies, including small businesses and professionals.
The anticipated salary range for this role is between $102,000.00and $165,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire.
The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.
Our mission is to be "the bank of choice" for middle market and professional service companies by establishing long term customer relationships and loyalty, providing superior products and services through a core of highly skilled and seasoned bankers.
To achieve our mission to be the 'bank of choice' for middle market and professional services companies, we are focused on our vision to be the premier California regional business bank that can provide the sophistication and expertise of a larger institution with the personal 'high touch' services of a smaller bank.
Specialties :
Commercial Loans and Lines of Credit, Asset-Based Financing, SBA Loans, and Specialized Financing, Real Estate Loans, Cash Management Services, International Services
JOB SUMMARY :
As a Relationship Manager you will provide a selection of services to business clients through active business development and relationship management.
Develop relationships with clients with large / complex businesses. Develop and manage a portfolio of high performing commercial relationships to include but not limited to C & I lending, owner occupied real estate, depository, and treasury management services.
PRINCIPLE DUTIES & RESPONSBIBILTIES :
- Responsible for revenue generation derived through targeted business development activities with existing clients and new prospect opportunities.
- Develop and manage relationships with new and existing, large, complex commercial relationships, which may include a portion of time spent on specialty industry verticals specifically agreed upon.
- Responsible for actively marketing up to a minimum of 30-40% of allotted marketing time on agreed upon specialized industry verticals and potentially 60-70% of allotted marketing time on large C & I opportunities.
Negotiate loan terms and conditions within scope of authority.
- Prepare and present credit analysis and recommendations on borrowing requests.
- Responsible for conducting credit reviews to ensure compliance with policies and regulations. Perform ongoing credit risk management through daily monitoring of the loan portfolio;
ensure proper risk rating of portfolio at all times. Monitors all credits through periodic reviews and analysis.
- Responsible for creating awareness of the Bank and its services through community activity.
- Responsible for coaching and mentoring less experienced Commercial Relationship Managers. May assist in supervising loan support staff.
- Responsible for complying with policies, procedures, security requirements, and government regulations.
POSITION SPECIFICATIONS :
Education
Bachelor's Degree or equivalent experience
Experience
5 - 8 years of experience in commercial credit, analysis, or business development required knowledge, Skills and Abilities
Proven ability to develop and manage large and complex new business relationships.
Possess excellent relationship management, presentation, and negotiation skills.
Possess an in-depth understanding of the local markets.
Possess strong financial and analytical skills with the ability to underwrite and structure commercial credits.
Possess an in-depth knowledge of cash management products.
Knowledge of federal and state laws and regulations relating to commercial lending and appraisal guidelines.
EOE STATEMENT
We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.
CCPA DISCLOSURE
Personal Information Collection Notice : This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used.
We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https : / / www.
manufacturersbank.com / CCPA-Privacy. Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.