Relationship Manager

Relationship Manager

This is an on-site position at our Salinas location. Travel to client offices and other sites is required.
Responsibilities

Gain deep understanding of the clients' business objectives and create strategic recommendations based on this understanding. Develop new business and increase or retain existing business loan and deposit relationships.
Serve as the key banking relationship manager for your portfolio of client relationships. Service all types of business and individual loans and lines of credit, both secured and unsecured.
Keep informed of the status of loans in the assigned portfolio. Follow up on current loans to ensure compliance with internal procedures and other required terms.
In partnership with the Treasury Management department, assemble and lead a cross‑functional team to quickly respond to client requests and identified needs. Utilize a team of experts to creatively present the full breadth of the bank.
Maintain an active prospecting effort, including identification, qualification and calling. Consistently balance prospecting efforts with quality client maintenance responsibilities.
Make decisions on loans and terms within established lending limits. Analyze credit to determine the ability of clients and prospective clients to qualify for borrowing requirements.
Study market industrial, economic and financial situations relating to new or existing business as part of prudent business development and portfolio management disciplines.
Demonstrate compliance with all bank regulations for assigned job functions and apply knowledge gained through coursework and on‑the‑job training. Keep up to date on regulation changes.
May be asked to coach, mentor, or train others and teach coursework as a subject‑matter expert.
Requirements

Bachelor's Degree in business, finance, or a related field preferred, or equivalent experience required.
Minimum 5–7 years related experience in underwriting business and real‑estate transactions.
Proven track record of success in developing new business, growing market share and establishing or growing a quality network.
Thorough understanding of the local market and a solid base of contacts.
Thorough knowledge of bank products and software.
Working knowledge of the bank's systems and policies applicable to underwriting and portfolio management.
Expert credit acumen (accounting, financial statement analysis, understanding of business operations and cash flow) with the ability to support complex deals.
Ability to establish and maintain effective working relationships with employees, supervisors, executives and other departments.
Ability to complete multiple, diverse tasks of differing priorities without close supervision.
Ability to perform tasks and achieve results with a high degree of accuracy and precision.
Excellent written and verbal communication skills, with specific ability to translate complex financial information into organized and presentable form.
Excellent administrative and organizational skills.
Proficient in Microsoft Office (Excel, Word and PowerPoint).
Benefits

Medical, dental and vision plans
Vacation, sick leave and paid holidays
Paid volunteer time
Employer‑paid life insurance
401(k) with employer matching
Ongoing training, professional development and career advancement opportunities
Physical Demands

While performing the duties, the employee may regularly stand, sit, talk, hear, reach, stoop, kneel and use hands and fingers to operate typical office equipment such as a computer, telephone, mouse and keyboard.
Specific vision abilities required include close vision due to computer work.
Light to moderate lifting may be required.
Regular, predictable attendance is required, including occasional evening and weekend work as business demands dictate.
Travel between company locations as needed.
Work Environment

Moderate noise (business office with computers, phones and printers, moderate traffic).
Ability to work in a confined area.
Ability to sit or stand at a computer terminal for an extended period.

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