Relationship Manager 1
Farmers and Merchants Bank of Long Beach, Tustin, CA, United States
Job Summary
The Relationship will be responsible for building, maintaining, and expanding a high value client portfolio with a focus on generating commercial real estate (CRE) loans, non owners-occupied properties, including construction and bridge lending, as well as deposits and other banking solutions. The Relationship Manager I will work closely with the Regional Relationship Manager in developing and maintaining strong relationships with clients and providing quality customer service. Essential Duties
Build and manage a portfolio of commercial and/or CRE clients through business development, relationship cultivation, and cross-selling financial solutions Generate and manage a pipeline of commercial real estate loans Support client retention and sales initiatives by delivering exceptional service Meet and/or exceed established sales and revenue goals while keeping expenses minimized. Manage service levels against customer expectations; identify quality gaps and follow-up with actions plans to address problem areas Establish and maintain an excellent rapport with bank customers, including those with complex financing and depository requirements by making monthly retention calls on selected customers Assist with risk management and ensure all team members are protecting the interests of Farmers & Merchants Bank while enhancing the customer experience Resolve complex servicing problems, particularly for most profitable relationships May engage in business activities by soliciting new accounts within the branch geographical area Assist Regional Relationship Manager in driving successful branch sales targets and developing a productive sales team through mentoring and coaching to meet and exceed established sale objectives Assist with management of loan portfolios including loan covenants May assist Regional Relationship Manager with the analysis of current credit data and financial statements of individuals or business to determine the degree of risk involved in extending credit or lending money Collaborate with the Branch Manager on employee development, management activities and operational functions The essential duties of this position have 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). As such, employees may be required to complete and maintain MLO registration through the National Mortgage Licensing System (NMLS) as a mandatory requirement of this position, at the discretion of the Bank. 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) Fair Credit Reporting Act UCC Deposit Products Investment Products Loan Products Loan Documentations Account Services Trust Services Bank Operations 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. 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 Standard Office Equipment (copiers, fax machines) 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 15% 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 5 -10 years of experience in field or related area with a strong emphasis on customer service and sales 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.
The Relationship will be responsible for building, maintaining, and expanding a high value client portfolio with a focus on generating commercial real estate (CRE) loans, non owners-occupied properties, including construction and bridge lending, as well as deposits and other banking solutions. The Relationship Manager I will work closely with the Regional Relationship Manager in developing and maintaining strong relationships with clients and providing quality customer service. Essential Duties
Build and manage a portfolio of commercial and/or CRE clients through business development, relationship cultivation, and cross-selling financial solutions Generate and manage a pipeline of commercial real estate loans Support client retention and sales initiatives by delivering exceptional service Meet and/or exceed established sales and revenue goals while keeping expenses minimized. Manage service levels against customer expectations; identify quality gaps and follow-up with actions plans to address problem areas Establish and maintain an excellent rapport with bank customers, including those with complex financing and depository requirements by making monthly retention calls on selected customers Assist with risk management and ensure all team members are protecting the interests of Farmers & Merchants Bank while enhancing the customer experience Resolve complex servicing problems, particularly for most profitable relationships May engage in business activities by soliciting new accounts within the branch geographical area Assist Regional Relationship Manager in driving successful branch sales targets and developing a productive sales team through mentoring and coaching to meet and exceed established sale objectives Assist with management of loan portfolios including loan covenants May assist Regional Relationship Manager with the analysis of current credit data and financial statements of individuals or business to determine the degree of risk involved in extending credit or lending money Collaborate with the Branch Manager on employee development, management activities and operational functions The essential duties of this position have 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). As such, employees may be required to complete and maintain MLO registration through the National Mortgage Licensing System (NMLS) as a mandatory requirement of this position, at the discretion of the Bank. 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) Fair Credit Reporting Act UCC Deposit Products Investment Products Loan Products Loan Documentations Account Services Trust Services Bank Operations 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. 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 Standard Office Equipment (copiers, fax machines) 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 15% 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 5 -10 years of experience in field or related area with a strong emphasis on customer service and sales 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.