Commercial Relationship Specialist

Position Summary

The Commercial Relationship Specialist will be responsible for the origination, maintenance, and retention of a commercial client portfolio within approved geographic lending areas. The Commercial Relationship Specialist will also be responsible for developing these client relationships to meet ongoing established portfolio growth goals. The Specialist should have functional knowledge general credit skills, commercial real estate and business lending as well as the potential to achieve a high level and detailed understanding of Fremont Bank credit, deposit and treasury products.

The Commercial Relationship Specialist will have the communication skills to clearly discuss and explain bank credit, deposit and treasury management products to current and prospective clients. The Specialist will work closely with the Credit Administration Department to provide timely closing of loans to meet established service levels in order to provide outstanding customer service to the bank's clients.

The position also requires communications (both written and verbal) with the sales group, brokers, clients and/or third parties regarding status and requirements necessary to originate and close loan transactions.

Founded in 1964, Fremont Bank is one of the oldest independently owned banks in the Bay Area and has been consistently recognized as a Top Workplace for the past 15 consecutive years. Our foundation is built on relationships — with our clients, our associates, and our communities.

We offer:

• A people-first culture grounded in inclusion and excellence
• Deep community involvement and local reinvestment
• A mission-driven workplace where values and performance go hand in hand

• Full-Service Banking with comprehensive financial solutions, advanced technology, and exceptional service
• No-Compromise Approach — we help clients get to "yes"
• Core Values:
  • Go above and beyond for clients
  • Foster a supportive and empowering environment for associates
  • Deeply invest in the well‑being of our local community

• Successful completion of training programs
• Attaining personal annual commercial lending thresholds
• Supports unit's growth and profitability through calling on existing and potential clients
• Identifies business needs and corresponding sales opportunities bank wide
• Works closely with Wealth Management, Treasury, Cash Management and other major areas of the bank to promote sales and implementation of complete suite of financial products and services
• Provides assistance to clients with transactions by contacting appropriate department
• Acts as a liaison between clients and other departments
• Maintains thresholds around retention and growth of portfolio
• Facilitates approval decisions on loans and terms within lending limits
  
  Makes recommendations to appropriate lending authority
• Negotiates terms and conditions of loans with clients
• Attends commercial lending department sales meetings as required
• Responsible for collection of past due loans in their portfolio

Executive Summary

The Commercial Relationship Specialist (CRS) Development Plan is an 18–24‑month structured program designed to build a sustainable, high‑quality talent pipeline within Commercial Lending. The program equips new CRSs with the technical knowledge, sales capabilities, and relationship‑management skills required to successfully transition into a Commercial Relationship Manager (CRM) role. Through a combination of formal training, hands‑on portfolio exposure, and ongoing mentorship, participants develop a comprehensive understanding of Fremont Bank’s credit philosophies, lending products, sales processes, and client‑experience expectations.

The program focuses on developing core competencies in financial analysis, commercial real estate and business lending, loan origination, portfolio management, cross‑functional collaboration, effective communication, and the ability to cross-sell by confidently speaking to products and services across the bank. CRSs will gain the ability to analyze borrower financials, structure and recommend credit solutions, present lending requests to credit committees, and articulate Fremont…