Relationship Manager 2
Farmers & Merchants Bank of Long Beach, Seal Beach, California, United States, 90740
The Relationship Manager II will perform all the duties and have the responsibilities of a Relationship Manager I level position with added lending approval authority. These duties and responsibility include the sale, credit analysis, proper loan structuring and documentation, loan servicing, client interviewing and perceptive character judgment. Acting as the principal account relationship manager for new and existing clients by developing, generating, and following up on new client leads through referrals and phone calls.
Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities
Establish and maintain an excellent rapport with key branch customers, including those with complex financing and depository requirementsby making monthly retention calls on selected deposit customers
Provide detail explanations of different types of loans and credit options available to customers by analyzing applicants’ financial information, credit worthiness, and property to determine feasibility of granting loans
Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed
Recommend loan approval or decline to credit administration or submit to credit analyst for verification and/or recommendation
Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and update all credit loan files and loan agreements with current financial information to ensure that they are complete an accurate according to policy
Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and update all credit loan files and loan agreements to ensure that they are complete an accurate according to policy.
Monitors loan repayment activities and takes necessary action to collect any past–due accounts as consistent with bank policy
Assist customers and follow up on outstanding items
Collaborate with the Branch Manager on employee development, management activities, and operational functions
The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator ID issued through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.
Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.
Required Knowledge
Regulation CC
Regulation DD
Regulation E (EFT)
Bank Secrecy Act
FDIC Insurance
Privacy Laws
Regulation BB (CRA)
Regulation B (ECOA)
Regulation X (RESPA)
Regulation Z (Truth about Lending)
UCC
Deposit Products
Investment Products
Loan Products
Loan Documentations
Account Services
Trust Services
Bank Operations
Basic Knowledge, Skills and Abilities
Business Development Skills
Time Management Skills
Clear understanding of the English Language (Spoken & Written)
Basic Mathematics Skills
Telephone Skills
Customer Service Skills
Critical Thinking, Judgment & Problem Solving Skills
Ability to actively listen & learn
Ability to use oral communication techniques to sell products or services
Ability to respectfully communicate with Supervisors and Co-workers
Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts
Equipment Operated
Telephones/Cell Phones
Desk and/or Laptop Computers
Physical Requirements & Work Environment
Requires standing and/or sitting for prolong periods of time.
Requires lifting up 10lb
Office setting w/controlled temperature
Up to 25% traveling
Education and Experience
High School Diploma or equivalent required
Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required
A minimum of 10 -15 years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management
Additional Requirements
Ability to travel to various bank locations as needed
Some Saturday hours are required
As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.
This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.
Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.
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Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities
Establish and maintain an excellent rapport with key branch customers, including those with complex financing and depository requirementsby making monthly retention calls on selected deposit customers
Provide detail explanations of different types of loans and credit options available to customers by analyzing applicants’ financial information, credit worthiness, and property to determine feasibility of granting loans
Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed
Recommend loan approval or decline to credit administration or submit to credit analyst for verification and/or recommendation
Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and update all credit loan files and loan agreements with current financial information to ensure that they are complete an accurate according to policy
Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and update all credit loan files and loan agreements to ensure that they are complete an accurate according to policy.
Monitors loan repayment activities and takes necessary action to collect any past–due accounts as consistent with bank policy
Assist customers and follow up on outstanding items
Collaborate with the Branch Manager on employee development, management activities, and operational functions
The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator ID issued through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.
Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.
Required Knowledge
Regulation CC
Regulation DD
Regulation E (EFT)
Bank Secrecy Act
FDIC Insurance
Privacy Laws
Regulation BB (CRA)
Regulation B (ECOA)
Regulation X (RESPA)
Regulation Z (Truth about Lending)
UCC
Deposit Products
Investment Products
Loan Products
Loan Documentations
Account Services
Trust Services
Bank Operations
Basic Knowledge, Skills and Abilities
Business Development Skills
Time Management Skills
Clear understanding of the English Language (Spoken & Written)
Basic Mathematics Skills
Telephone Skills
Customer Service Skills
Critical Thinking, Judgment & Problem Solving Skills
Ability to actively listen & learn
Ability to use oral communication techniques to sell products or services
Ability to respectfully communicate with Supervisors and Co-workers
Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts
Equipment Operated
Telephones/Cell Phones
Desk and/or Laptop Computers
Physical Requirements & Work Environment
Requires standing and/or sitting for prolong periods of time.
Requires lifting up 10lb
Office setting w/controlled temperature
Up to 25% traveling
Education and Experience
High School Diploma or equivalent required
Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required
A minimum of 10 -15 years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management
Additional Requirements
Ability to travel to various bank locations as needed
Some Saturday hours are required
As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.
This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.
Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.
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