FFB Bank · 3 days ago
Commercial Relationship Manager
Walnut Creek, CA
Full-time
Onsite
Mid, Senior Level
$125K/yr - $180K/yrFFB Bank is a dynamic single-branch bank based in Fresno, CA, committed to redefining the banking experience. The Commercial Relationship Manager is responsible for soliciting and managing business loans, developing client relationships, and ensuring compliance with lending policies.
BankingFinanceFinancial Services
Responsibilities
Generates new leads through outbound calls, emails, networking, and in-person meetings
Builds and maintains strong relationships with prospective and existing clients to drive long-term business opportunities
Uses CRM systems to track interactions, update customer records, and manage pipeline activity
Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends
Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions
Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements
Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
Ensures that certification or deletion of collateral is made by the appropriate personnel
Negotiates, underwrites, and processes renewals of credit facilities
Approves loan payments, draws from lines of credit, and fund transfers within specified limits
Authorizes commitment, engagement, auction, and decline letters
Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget
Verifies funds with mortgage companies and contractors
Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition
Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena
Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits
Provides deposit and loan account ratings
Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
Responsible for achieving annual deposit and loan growth goals assigned by Senior Management
Provides leadership and training to less experienced loan officers and other staff members
Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making
Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement
Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce
Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role
Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions
Travels up to 75%, including but not limited to frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Travel may include long-distance flights, overnight stays, and local transportation
Qualification
Required
Responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial building and business loans in compliance with the Bank's lending policies and procedures
Develops business checking and deposit relationships with customers
Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services
Generates new leads through outbound calls, emails, networking, and in-person meetings
Builds and maintains strong relationships with prospective and existing clients to drive long-term business opportunities
Uses CRM systems to track interactions, update customer records, and manage pipeline activity
Interviews prospective applicants and requests specified information related to loan or credit application
Corresponds or re-interviews applicants to resolve questions regarding application information
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends
Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval
Meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions
Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies
Obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio
Approves loan disbursements in accordance with agreements
Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
Ensures that certification or deletion of collateral is made by the appropriate personnel
Negotiates, underwrites, and processes renewals of credit facilities
Approves loan payments, draws from lines of credit, and fund transfers within specified limits
Authorizes commitment, engagement, auction, and decline letters
Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts
Monitors expenses to ensure compliance with budget
Verifies funds with mortgage companies and contractors
Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition
Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business
Assists the Bank in establishing and maintaining market position in the financing arena
Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits
Provides deposit and loan account ratings
Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
Responsible for achieving annual deposit and loan growth goals assigned by Senior Management
Provides leadership and training to less experienced loan officers and other staff members
Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles
Completes administrative tasks with a sense of urgency, including required Bank Compliance Training
Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner
Positively represents the Bank through ethical conduct and community involvement
Demonstrates an understanding of and commitment to EEO policies
Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce
Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations
Ensures confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role
Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment
The position requires physical activities like sitting, walking, and reaching
Travels up to 75%, including but not limited to frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions
Benefits
Medical/Dental/Vision
Life Insurance
Paid Vacation
401(k) Retirement Plan
Training & Development
Tuition Reimbursement
Employee Assistance Program
Internal Job Posting & Referral Program
Company
FFB Bank
FFB Bank provide financial services operating out of a single branch.
Founded in 2005
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Craig Heimuller
EVP - Chief Operating Officer
David Cain
Vice President, Partner Development and Sales Manager
Recent News
2025-10-20
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2025-07-23
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