California Bank of Commerce · 1 month ago
Vice President, Commercial Relationship Manager
San Diego, CA
Full-time
Onsite
Mid Level
$112K/yr - $150K/yr
3+ years expCalifornia Bank of Commerce is seeking a Vice President, Commercial Relationship Manager responsible for creating and managing a portfolio of commercial relationships. The role involves providing expert advice on banking products and services while ensuring loan quality and business development through established networks.
BankingFinanceFinancial Services
Responsibilities
Advanced credit analysis and underwriting with focus on more complex Commercial Loans and Real Estate Loans (including Construction and Participations)
Assists in establishing business relationships with real estate, commercial and/or agricultural clients; providing lending and product expertise to their financial service needs while ensuring loan quality and providing growth for the bank
Responsible for ensuring credit facilities are in accordance with established policies and which result in maximum volume and profit for the bank. Also assists in developing and growing major customer relationships
Maintains and seeks knowledge of bank products and services, operational systems/processes, industry trends
Analyze and underwrite more complex business, and real estate loans for new and existing relationships thereby allowing for the extension of credit within our lending limits or presenting recommendations to Loan Committee
Assist senior lending officers in identifying client needs, analyzing credit information, ensuring credit quality and timely provision of financial services that meet the needs of our customers
Recommends to senior lending officers, banking products and services for present and potential customers
Participates in the bank’s credit process, providing credit analysis, preparing credit memorandums and at times, assisting with the management of our loan portfolio to ensure resolution of emerging problems and consistent credit quality
Provides referrals to other Ramona National Bank bankers; makes appointments as necessary
Listens to customer and staff inquires, requests and problems, resolves issues in a timely manner in accordance with expectations
Tracks repetitive credit analysis and underwriting issues and shares with appropriate staff and senior credit management. Goal is to minimize problems and create and maintain efficient processes that can be improved, making more time for production efficiencies consistent with credit quality and profitability
Maintains confidentiality for complex and sensitive issues
Adheres to loan policies, procedures, and underwriting guidelines, also Risk Rating System Requirements
Assist to assure loan documentation is in compliance with requirements as applicable
Effectively prepares and presents credit memoranda
Effectively analyzes and assesses financial information
Assist in ensuring appropriate pricing and profitability of loans
Ensures adequacy of financial information and spreads applicable financials on banks chosen format
Develop, review and assess appropriate ratios, trends and other pertinent financial data related to the loan request
Credit write-ups to be 'complete' in terms of financial analysis, industry analysis and guarantor analysis. The credit memorandum should be able to be understood by individuals having no prior knowledge of the borrowing entity
Completes applicable reports in a timely and accurate manner
Effectively assist other staff in managing delinquencies and loan losses as requested
Qualification
Required
Demonstrated computer proficiency to include use of Microsoft Office products and other programs as required
Technical knowledge of the software used to spread financial information such as Cash, Fast, Basis, or other similar packages
Ability to handle detail oriented transactions
Good organizational, written and verbal communication skills
Dedication to teamwork and enjoys working closely with others
Good customer service skills, the ability to respond effectively to sensitive inquiries or complaints
Bachelor's Degree in Accounting, or Finance
Three to five years' experience in commercial banking/lending, underwriting, and credit analysis
Company
California Bank of Commerce
Businesses face many challenges, but they believe banking shouldn't be one of them.
201-500 employees
Funding
Current Stage
Public CompanyTotal Funding
$16M2024-01-30Acquired
2014-06-30Post Ipo Equity· $16M
2007-11-30IPO
Leadership Team
M
Michele Wirfel
Chief Operating Officer
Recent News
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2025-10-28
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