Bay Area CRE Team. VP​/FVP, Relationship Manager

People Drive Our Success

Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members’ drive and optimism.

Together we can make a difference in the financial future of our communities.

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Relationship Manager (RM) is able to handle both client‑facing business development responsibilities as well as portfolio management responsibilities. In a lending team with a smaller number of people, an RM may need to carry out both functions. In a larger team, the title can exist for someone who wants to transition from PM to SRM but is not yet ready for the loan goal targets of a SRM.

The position’s function is to identify and bring new loan clients and to manage an existing portfolio assigned to them.

• Identify and bring new clients to the Bank. Each RM should have a specific new loan commitment/outstanding goal and deposit goal set by their Team Manager every year.
• RM should also have specific goals to cross‑sell the Bank’s other products and services.
• Negotiate and structure the primary terms of the loan with the client; circulate concept memo if needed prior to issuance of term sheet/LOI.
• Work with the designated underwriter, loan assistants, and other loan support staff to prepare the Credit Commitment Report (CCR) for new loans, renewals, amendments, and annual reviews.
• Present each CCR to the requisite approval authority levels. The finished CCR is the work product of a team but the RM is ultimately responsible for the content.
• Review loan documents, either internally prepared or by outside counsel, to ensure accuracy.
• Work with loan assistants and loan support staff to ensure all necessary items for the closing of the loan are in process and well‑managed; RM is to manage the client experience of this process.
• Portfolio management functions include monitoring and managing the credit quality of the assigned loan portfolio.
• Review to ensure each credit is properly risk‑rated based on the Bank’s risk rating system.
• Review client accounts and portfolios to identify, evaluate, and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank.
• Ensure compliance with Bank, regulatory, and credit requirements with emphasis on best‑in‑class customer service while adhering to required time frames from the client.
• Assist with mentoring and coaching junior officers and loan staff.

Education

• U.S. College graduate with a major in related fields.

Experience

• 7-10 years of commercial lending and banking experience with thorough knowledge of lending regulations and credit/underwriting practices.
• Must possess strong loan negotiation (rates, terms, collateral requirements) experience.
• Must possess previous underwriting or portfolio management experience in the requisite area of commercial lending specifically in commercial real estate and construction lending.

Skills/Ability

• Must have extensive knowledge and understanding of the Bank’s credit policy, risk management, underwriting requirements, and loan servicing.
• Must have strong knowledge and understanding of commercial and specialty group banking products and services and have demonstrated ability to cross‑sell such products.
• PC proficient.
• Excellent verbal and written communication skills.
• Bilingual (English/Mandarin or Cantonese or Vietnamese) is a plus but not required.
• Ability to work well independently to structure loans and/or lines of credit.
• Must be organized, detail oriented, and able to multi‑task.
• Ability to work effectively in a fast‑paced, high‑production team environment.
• Excellent time‑management skills and be accustomed to working with deadlines.
• Ability to assume responsibility and accountability for…