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Bank of Southern California · 3 months ago

Relationship Manager (CRE)

203 - SACRAMENTO

Full-time

Onsite

Senior Level

$130K/yr - $160K/yr

5+ years exp

Bank of Southern California is seeking a Relationship Manager to provide comprehensive banking solutions to commercial real estate investor clients. The role involves managing client relationships, expanding the portfolio through business development, and overseeing credit risk and profitability of loans and deposits.

BankingCommercialFinanceFinancial Services

Responsibilities

Manage existing client loan and deposit relationships including consistent communication with clients, active monitoring and evaluation of credit risk, and preparing thorough written and oral credit presentations and credit recommendations

Expand portfolio of client relationships through business development and marketing efforts

Educate current and potential clients on CBC’s products and services to meet their business needs while communicating to CBC team members about new sales and cross selling opportunities

Prepare written credit presentations defining a borrower’s business background, industry, analysis of their financial information and credit risk

Partner with various verticals within CBC

Manage ongoing credit risk and profitability of the lender’s existing customer loan and deposit portfolio

Responsible for supervising, planning, directing and coaching direct reports; partnering with Market Leads to accomplish the same

Carrying out and attaining the mission and the goals of the business unit managed and enterprise

Lead direct reports to meet the organization's expectations for productivity, quality, continuous improvement, and goal accomplishment

Provide oversight and enterprise direction in accordance with the organization's policies and procedures

Foster a spirit of teamwork and unity among department and enterprise members that allows for discussion over ideas, conflict and expeditious conflict resolution, and the appreciation of diversity as well as cohesiveness, support, and working effectively together to enable direct reports and the department to succeed

Consciously create a workplace culture that is consistent with the overall organization's and that emphasizes the identified mission, vision, guiding principles, and values of the organization

Lead team members using CBC’s performance management and development process that provides an overall context and framework to encourage direct report’s contribution and includes goal setting, feedback, and performance development planning

Maintain transparent communication. Appropriately communicate organization information through department and enterprise meetings, one-on-one meetings, and appropriate email, IM (Instant Messaging), and regular interpersonal communication

Promote and support the Bank in the local community by participating in community activities

Assist and support Bank staff in business activities

Perform other duties as assigned

Qualification

Commercial real estateConstruction lendingFinancial statement analysisPortfolio managementCredit risk assessmentAnalytical skillsCommunication skillsInterpersonal skillsTime managementProblem-solving

Required

Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone

Accurate word processing and computer database skills; with knowledge of Microsoft Office Suite applications

Effective interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team

Firm understanding of accounting principles, financial statement analysis and banking operations and regulations

Strong analytical ability with active listening skills

Advanced ability to: Exercise discretionary judgement within CBC's framework of regulatory banking environment

Work effectively with senior management, other team members at all levels, and external contacts

Explain complex information in a clear and well composed fashion

Take initiative and prioritize tasks; good time-management, problem-prevention and problem-solving skills

Work accurately with close attention to detail

Maintain confidentiality of sensitive information

Study and apply new information

Bachelor's degree in Business, Accounting or Finance, or equivalent related experience

Five (5) years of experience in commercial and/or real estate lending; knowledge and/or experience in commercial loans underwriting