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City First Bank · 9 hours ago

Commercial Relationship Manager

Washington, DC

Contract

Onsite

Mid, Senior Level

$123K/yr - $156K/yr

3+ years exp

City First Bank is a mission-driven Community Development Financial Institution focused on transformative impact in underserved urban markets. The Relationship Manager is responsible for soliciting new business and managing customer relationships for small businesses and not-for-profit organizations, while also overseeing commercial real estate customer relationships and ensuring adherence to credit policies.

BankingCommunitiesFinancial Services

Responsibilities

Develop new – and expand existing – commercial loan and deposit relationships through targeted calling and community relations work, consistent with the Bank’s risk and return parameters. RM will cross sell other Bank services, when possible, also consistent with the Bank’s risk and return parameters

Maintain a targeted calling program focused on expanding current business and attracting new business to the Bank. Attendant to this calling program, the RM will:

Develop and deliver status reports to the ECRE (Eastern Commercial Regional Executive) and management staff on a regular basis

Research and establish target markets and mine existing portfolio to better understand current product/services used and increase wallet share

Provide support to the ECRE, other RMs, senior management, and the Credit staff through joint calls, training and shared market intelligence

Recommend new products and services to generate fee, contract, and services revenue

Recommend new traditional and non-traditional products and services which the market is seeking, including non-traditional community development services such as financial literacy training, counseling, and technical assistance

Establish and maintain relationships with industry influencers and key community and strategic partners. Where appropriate, directly joins local business and community organizations as a representative of the Bank or recommends other bank employees for involvement or membership. Participates in the community outreach process, and actively participates in key community organizations, meetings, and events

Attend various promotional events including, but not limited to, trade shows, business seminars, receptions, etc. to ensure an increase in the overall customer base and the retention of existing customers

Support the ECRE in providing “best in class” ongoing services to existing customers. Assist the Credit staff in providing follow up on Annual Reviews of customer relationships, and in ensuring the timely renewal or resolution of expiring/expired loans, covenant compliance, and documentary requirements

Accountable for a loan portfolio consistent with the Bank’s credit policies, underwriting guidelines, and procedures, and its mission. Reviews loan write-ups to ensure consistent presentation of information, monitors risk ratings and assures they are kept current and accurate, assists in the review of problem loans, and assists the collection/workout process when needed to ensure the best possible outcome and recovery for the Bank

Accountable for adherence to Bank policies and procedures; particularly – but not limited to – Loan and Credit policies and procedures, laws, rules, and regulations. Take initiative to comply with legal requirements, audit, regulatory, and internal compliance guidelines. Responds quickly to correct regulatory, audit and compliance deficiencies. Adheres to Bank’s Code of Ethics

Qualification

Commercial underwritingPortfolio managementSalesBusiness developmentLending activities knowledgeCommercial real estate processingRegulatory compliance knowledgeTraining skillsOral communicationWritten communicationInterpersonal communicationCritical thinkingNegotiation skillsOrganizational skillsTime managementLeadership skills

Required

Bachelor's Degree in finance, accounting or business required or 3 additional years of experience in commercial credit analysis and commercial underwriting

3+ years of portfolio management and commercial underwriting experience

3+ years of proven sales record in meeting or exceeding goals in commercial lending

Formal or in-house credit training; counts toward one year of experience

Proven sales and business development skills

Excellent oral, written and interpersonal communication skills with the ability to carry out instructions. Instruct others, interpret documents, understand procedures, write reports and correspondence, and speak clearly to clients, customers, and employees

Knowledge and training in all lending activities

Knowledge of commercial, and commercial real estate loan processing

Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures

Knowledge of related state and federal lending and compliance regulations and other Bank lending policies

Basic skills in personal computer operation, word processing and spreadsheet software

Ability to deal with complex problems involving multiple facets and variables in non-standardized situations

Ability to work without supervision while performing duties

Critical and creative thinking

Negotiation skills; diplomacy

Maintenance of fast pace

Excellent organizational and time management skills

Excellent leadership skills

Excellent training skills

Excellent time management skills

Preferred

Supervision of a team or in a leadership role

Company

City First Bank

City First Bank is a commercial community development bank, the largest Black-led Minority Depository Institution, and a certified as B Corp with branches and headquarters in Los Angeles, CA and Washington, DC; channeling intentional capital to low- and moderate-income neighborhoods; investing in multifamily affordable housing, nonprofits and small business development.

Founded in 1998

Washington, District of Columbia, USA

51-200 employees