Business Banking Group Relationship Manager 2

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Full Time 2 Professional Seal Beach, CA, US

3 days ago Requisition

Salary Range: $ To $ Annually

Job Summary

The BBG Relationship Manager 2 has additional lending approval authority with duties and responsibilities that include achieving an advanced level of loan and deposit production, credit analysis, proper loan structuring and documentation, loan servicing, client interviewing and perceptive character judgment. Acting as the principal account relationship manager for new and existing clients by developing, generating, and following up on new client leads through referrals and phone calls.

• Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities including but not limited to, cold calling, asking existing customers for referrals, foot canvases, mail campaigns, and attending trade shows and other business events such as galas and awards shows. Provide weekly report of pipeline and marketing activities to the Business Banking Group Manager.
• Establish and maintain an excellent rapport with key customers, including those with complex financing and depository requirements by making monthly retention calls.
• Provide detailed explanations of different types of loans and credit options available to customers by analyzing applicants' financial information, credit worthiness, and property to determine feasibility of granting loans
• Recommend loan approval or decline to the Business Banking Group Manager and/or Credit Administration. Prepare thorough credit memos complete with accurate financial analysis and credit strengths and weaknesses.
• Ensure compliance with Bank policy, regulatory requirements and credit worthiness by reviewing and updating all credit loan files and loan agreements with current financial information to ensure that they are complete and accurate according to policy. Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed.
• Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and updating all credit loan files and loan agreements to ensure that they are complete and accurate according to policy. Prepare timely credit renewals and risk rating upgrades/downgrades. Monitor loan repayment activities and account overdrafts, taking necessary action to collect any past-due accounts as consistent with Bank policy.
• Assist customers and follow up on outstanding items.
• Collaborate with the Business Banking Group Manager on employee development, management activities, and operational functions. Attend team meetings and Bank meetings in person.
• Understand basic treasury management services and introduce Bank partners in treasury, online banking, ACH, wire, positive pay, card, and merchant services to maximize fee income to the Bank.

The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act). At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator d through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.

Required Knowledge

• Regulation CC
• Regulation DD
• Regulation E (EFT)
• Bank Secrecy Act
• FDIC Insurance lists and
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