Commercial Relationship Manager I-III
FFB Bank, Cerritos, CA, United States
About FFB
Since opening our doors in 2005, FFB Bank has focused on one mission: to help businesses, professionals, and successful individuals reach their goals through personalized service and flexible financial solutions. As one of the top-performing community banks in the nation, FFB offers a full range of banking services, including business and personal accounts, specialized lending, and modern payments solutions.
Job Type Full-time
Job Overview The Commercial Relationship Manager I-III (CRM) is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in compliance with the Bank’s lending policies and procedures. This role develops and manages business checking, deposit, and lending relationships while promoting the Bank’s products and services through strong client relationships and internal referrals.
Depending on experience and level, the CRM may support commercial lending activities, independently manage a portfolio, or lead more complex commercial transactions, all while serving as a trusted advisor to clients and contributing to portfolio growth and credit quality.
In addition to base compensation, this role offers the opportunity to earn performance-based incentives through participation in multiple incentive plans.
Key Responsibilities
Generate new leads through outbound calls, emails, networking, and in-person meetings.
Build and maintain strong relationships with prospective and existing clients to drive long-term business opportunities.
Use CRM systems to track interactions, update customer records, and manage pipeline activity.
Interview prospective applicants and request specified information related to loan or credit application; correspond or re-interview applicants to resolve questions regarding application information.
Perform 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.
Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval; meet with existing or potential customers; visit loan sites; negotiate loan terms and conditions.
Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs, and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems relative to processing and servicing of loans within portfolio; approve loan disbursements in accordance with agreements.
Ensure that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
Ensure that certification or deletion of collateral is made by the appropriate personnel.
Negotiate, underwrite, and process renewals of credit facilities.
Approve loan payments, draws from lines of credit, and fund transfers within specified limits.
Authorize commitment, engagement, auction, and decline letters.
Contribute to the overall profitability of the branch and region; implement cost controls, income generation, and branch and region marketing efforts; monitor expenses to ensure compliance with budget.
Verify funds with mortgage companies and contractors.
Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition.
Represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
Review NSF and overdraft reports for customers assigned within portfolio; approve or decline such exceptions within established lending limits.
Provide deposit and loan account ratings.
Update and correspond 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.
Provide 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.
Complete administrative tasks with a sense of urgency, including required Bank Compliance Training. Respond to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represent the Bank through ethical conduct and community involvement.
Demonstrate an understanding of and commitment to EEO policies. Foster a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
Ensure 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 responsibilities specific to the role.
Perform 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 such as sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
Travel 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.
Requirements
Bachelor’s degree from an accredited college or university preferred; relevant field preferred (e.g., Business, Finance, or related).
Minimum 5 years of related experience in banking, financial services, or relevant industry required.
Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
Experienced in growing marketing and business development expertise through direct customer engagement.
Advanced math skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including drafting and interpretation of bar graphs.
Demonstrated ability to cross‑sell and explain all products and services with confidence and authority.
Knowledge of commercial banking products and services and a strong understanding of federal compliance regulations required.
Ability to take initiative and effect change within the Bank through consensus building, negotiation, and conflict resolution.
Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
Strong organizational and time‑management abilities with attention to detail.
Proficient teamwork and relationship skills to contribute to cross‑functional collaboration and team success.
Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
Commitment to continuous learning and professional development to stay current with industry standards and best practices.
Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
Ability to work independently with minimal supervision and as part of a team.
Proven ability to adapt to changing priorities and procedures.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Benefits
Medical, dental, and vision coverage
Life insurance
Paid vacation
401(k) retirement plan
Training & development opportunities
Tuition reimbursement
Employee Assistance Program
Internal job postings and referral program
Salary $120,000 - $180,000 Annual Salary
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Job Type Full-time
Job Overview The Commercial Relationship Manager I-III (CRM) is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in compliance with the Bank’s lending policies and procedures. This role develops and manages business checking, deposit, and lending relationships while promoting the Bank’s products and services through strong client relationships and internal referrals.
Depending on experience and level, the CRM may support commercial lending activities, independently manage a portfolio, or lead more complex commercial transactions, all while serving as a trusted advisor to clients and contributing to portfolio growth and credit quality.
In addition to base compensation, this role offers the opportunity to earn performance-based incentives through participation in multiple incentive plans.
Key Responsibilities
Generate new leads through outbound calls, emails, networking, and in-person meetings.
Build and maintain strong relationships with prospective and existing clients to drive long-term business opportunities.
Use CRM systems to track interactions, update customer records, and manage pipeline activity.
Interview prospective applicants and request specified information related to loan or credit application; correspond or re-interview applicants to resolve questions regarding application information.
Perform 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.
Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval; meet with existing or potential customers; visit loan sites; negotiate loan terms and conditions.
Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs, and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems relative to processing and servicing of loans within portfolio; approve loan disbursements in accordance with agreements.
Ensure that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
Ensure that certification or deletion of collateral is made by the appropriate personnel.
Negotiate, underwrite, and process renewals of credit facilities.
Approve loan payments, draws from lines of credit, and fund transfers within specified limits.
Authorize commitment, engagement, auction, and decline letters.
Contribute to the overall profitability of the branch and region; implement cost controls, income generation, and branch and region marketing efforts; monitor expenses to ensure compliance with budget.
Verify funds with mortgage companies and contractors.
Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition.
Represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
Review NSF and overdraft reports for customers assigned within portfolio; approve or decline such exceptions within established lending limits.
Provide deposit and loan account ratings.
Update and correspond 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.
Provide 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.
Complete administrative tasks with a sense of urgency, including required Bank Compliance Training. Respond to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represent the Bank through ethical conduct and community involvement.
Demonstrate an understanding of and commitment to EEO policies. Foster a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
Ensure 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 responsibilities specific to the role.
Perform 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 such as sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
Travel 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.
Requirements
Bachelor’s degree from an accredited college or university preferred; relevant field preferred (e.g., Business, Finance, or related).
Minimum 5 years of related experience in banking, financial services, or relevant industry required.
Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
Experienced in growing marketing and business development expertise through direct customer engagement.
Advanced math skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including drafting and interpretation of bar graphs.
Demonstrated ability to cross‑sell and explain all products and services with confidence and authority.
Knowledge of commercial banking products and services and a strong understanding of federal compliance regulations required.
Ability to take initiative and effect change within the Bank through consensus building, negotiation, and conflict resolution.
Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
Strong organizational and time‑management abilities with attention to detail.
Proficient teamwork and relationship skills to contribute to cross‑functional collaboration and team success.
Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
Commitment to continuous learning and professional development to stay current with industry standards and best practices.
Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
Ability to work independently with minimal supervision and as part of a team.
Proven ability to adapt to changing priorities and procedures.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Benefits
Medical, dental, and vision coverage
Life insurance
Paid vacation
401(k) retirement plan
Training & development opportunities
Tuition reimbursement
Employee Assistance Program
Internal job postings and referral program
Salary $120,000 - $180,000 Annual Salary
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