VP, Relationship Manager

Relationship Manager (RM)

At Cathay Bank, we believe people are our most valuable asset and we pride ourselves on fostering growth and development to empower you to achieve your professional goals. With 60 years of resilience, our team is committed to making a difference in the financial futures of our communities.

The Relationship Manager handles both client‑facing business development and portfolio management. The role may be part of a small lending team or serve as a transitional position within a larger team, focusing on new loan client acquisition and managing the assigned loan portfolio.

• Identify and bring new clients to the Bank, achieving annual new loan commitment/outstanding goals set by the Team Manager.
• Negotiate and structure primary loan terms with clients, circulating concept memos as needed before issuing term sheets/LOIs.
• Collaborate with underwriters, loan assistants and support staff to prepare Credit Commitment Reports (CCR) for new loans, renewals, amendments and annual reviews.
• Present each CCR to the required approval authorities; the RM is ultimately responsible for the content.
• Review loan documents—internally prepared or from outside counsel—to ensure accuracy.
• Ensure all items for loan closing are in process, managing client experience of the closing process.
• Monitor and manage credit quality of the assigned portfolio.
• Ensure each credit is properly risk‑rated per the Bank’s system.
• Evaluate and determine actions on potential credit quality issues to maximize credit quality and minimize risk and potential loss.
• Maintain compliance with Bank, regulatory and credit requirements while delivering best‑in‑class customer service within required time frames.
• Mentor and coach junior officers and loan staff.

Education
: U.S. college graduate in a related field.

• Experience
  :
  • 5‑7 years of commercial lending and banking experience with thorough knowledge of lending regulations and credit/underwriting practices.
  • Strong loan negotiation experience (rates, terms, collateral requirements).
  • Prior underwriting experience in the requisite commercial lending area.
  • Extensive knowledge of the Bank’s credit policy, risk management, underwriting requirements, and loan servicing.
  • Knowledge of commercial and specialty group banking products and demonstrated ability to cross‑sell such products.
• Skills/Ability
  :
  • PC proficiency.
  • Excellent verbal and written communication skills.
  • Ability to work independently to structure loans and/or lines of credit.
  • Organized, detail‑oriented, and capable of multi‑tasking.
  • Effective in a fast‑paced, high‑production team environment.
  • Excellent time management and ability to meet deadlines.
  • Strong decision‑making responsibility and accountability.
  • Effective communication with all levels of Bank personnel.

Salary
: $150,000 – $175,000 per year. Pay is determined based on job‑related knowledge, skills, experience, and location.

This position may be eligible for a discretionary bonus.

Benefits
:
Cathay Bank offers a comprehensive benefits package including medical, dental, vision, life, long‑term disability, flexible spending accounts (FSAs), health savings account (HSA) with company contributions, voluntary coverages, and a 401(k) plan.

Cathay Bank is an Equal‑Opportunity and Affiliated Employer. We welcome applications from all qualified candidates regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex, pregnancy, reproductive health decisions, sexual orientation, gender identity and expression, genetic information, disability, military status, or any other protected status under applicable law.

Cathay Bank may collect personal information from potential job candidates. For more information on how we handle personal information, review our California Job Applicant Privacy Policy.

Cathay Bank endeavors to make  accessible to all users. For accessibility assistance or accommodation requests, contact Mickey Hsu, FVP, Employee Relations Manager, at (626) 582‑7370 or  This contact is for accommodation requests only and cannot be used to inquire about application status.

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