Mechanics Bank · 1 day ago
Relationship Manager
Santa Clara, CA
Full-time
Onsite
Mid, Senior Level
$92K/yr - $150K/yr
3+ years expMechanics Bank is currently searching for a full time Relationship Manager to join their team. The role involves managing a portfolio of middle-market client relationships, ensuring compliance with loan terms, and developing new business opportunities through client interactions and community engagement.
BankingFinancial ServicesWealth Management
Responsibilities
Manages a portfolio of middle-market client relationships with moderate complexities in financial analysis, underwriting, or structuring and/or representing an industry concentrations requiring industry expertise. Monitors the relationship to ensure ongoing credit quality and compliance with loan terms. Initiates and oversees fulfillment of the end-to-end processes for loan renewals and modifications. Initiates appropriate and timely actions for any defaults to loan covenants or conditions of approval
Calls on new and existing clients to create and maintain a robust pipeline of new business; initiates or strengthens assigned banking relationships and identifies and acts on opportunities to expand the relationships. Monitor for competitive information and take appropriate action if necessary to retain client relationships. Provides suitable advice and counsel to existing and potential customers. Studies industrial, commercial, economic and financial situations relating to the business to offer advice, if appropriate
Prepares quality credit presentations of moderate to significant complexity, justifying the credit request that is supported with comprehensive financial and non-financial analyses, appropriate identification of risks and risk mitigations, and structuring and pricing consistent with Bank policies and guidelines
Mentors and assists credit analysts, underwriters, and less experienced relationship managers in appropriate structuring of credit requests to best meet client needs while adhering to Bank policies and risk profiles
Participates in industry, civic, and community events to build a network of referral sources and to generate business leads. Supports the Bank's Brand and mission internally and externally. Supports Brand awareness through marketing efforts and community outreach
Must be able to travel throughout bank’s footprint to perform required duties (less than 20%)
Qualification
Required
Minimum of 3 years of Commercial Lending is required
A minimum of three years prior experience as a Relationship Manager or equivalent lending experience that includes working directly with clients
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations
Ability to write reports, business correspondence, and procedure manuals
Ability to effectively present information and respond to questions from groups of managers, customers, the general public and professional peers
A solid understanding of business and banking terminology
Ability to work with mathematical concepts such as fractions, percentages, ratios, and proportions to business related situations
Basic understanding of accounting, including financial statement and credit analysis skills
Ability to define problems, collect data, establish facts, and draw valid conclusions
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables
Demonstrated negotiation skills
Ability to create new word processing and spreadsheet files using generally accepted formats
Ability to use data base programs and other banking specific programs and to access reports
Ability to use software documentation and help features
Aptitude for learning advanced features and specialized software programs
Ability to manage multiple clients, loan requests, deadlines and other priorities
Business development skills
Comfortable selling to prospects, networking, cold calling and speaking before groups
Utilizes critical and creative thinking skills
Building strong customer relationships and delivering customer-centric solutions
Interpreting and applying understanding of key financial indicators to make better business decisions
Preferred
Graduates Degree in Business Administration with an emphasis in Finance is preferred
Bachelors Degree in Finance, Accounting, Business or related field is preferred
Experience should include commercial and commercial real estate loans secured by various types of collateral
Membership in relevant trade associations or bank trade groups is preferred
Benefits
Medical, prescription, dental, and vision coverage for employees and their eligible family members
Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits
Health Savings Account with employer contribution
Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit
401(k) and Roth 401(k) with company contribution
529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program
Supplemental Health plans, Voluntary Legal and Identity Theft Services
11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)
Company
Mechanics Bank
Mechanics Bank is a full service community bank that offers a wide range of financial services.
Founded in 1905Richmond, California, USA
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2022-09-01Acquired
2003-01-10IPO
Leadership Team
E
Edward Downer
Chairman Emeritus
Recent News
2025-10-17
Business Wire
2025-10-17
Company data provided by crunchbase