Commercial Relationship Manager

Commercial Relationship Manager

Apply for the Commercial Relationship Manager role at FFB Bank.

Job Type: Full‑time

Salary: $140,000 - $175,000 Annual Salary

FFB, a dynamic and acclaimed single‑branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top‑notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

• 2024 & 2025 – American Banker – #1 Top Performing Publicly Traded Bank with under $2b in assets
• 2023 – American Banker – "Top 5" Community Bank in the Country (#4)
• 2023 – OTCQX – Best 50 Companies (#3)
• 2023 – 5‑star Rating Bauer Financial

• Employee Stock Ownership Program (ESOP)
• Friendly, close‑knit work culture that encourages growth
• Opportunities to participate in community networking events
• Benefits package:
  Medical/Dental/Vision, Life Insurance, Paid Vacation, 401(k) retirement plan
• Training & development, tuition reimbursement, employee assistance program, internal job postings & referral program

FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members reflect these values in the workplace in the following ways:

• Teamwork – Collaborate, hold each other accountable, and win together.
• Relationship – Trustworthy, transparent, and respectful.
• Authentic – Humble, vulnerable, and speak up.
• Commitment – Hungry, responsive, and purposeful.

The Commercial Relationship Manager is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial building, and business loans in compliance with the Bank’s lending policies and procedures. The role also develops business checking and deposit relationships with customers and promotes business for the Bank by maintaining good customer relations and referring customers to the appropriate staff for new services.

• Generate new leads through outbound calls, emails, networking, and in‑person meetings.
• Build and maintain strong relationships with prospective and existing clients to drive long‑term business opportunities.
• Use CRM systems to track interactions, update customer records, and manage pipeline activity.
• Interview prospective applicants and request specified information related to loan or credit application; re‑interview applicants to resolve questions regarding application information.
• Perform pre‑qualification assessment and analysis of financial condition and risk of financing requests within the framework of Bank credit culture and current economic and industry trends.
• Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval; meet with existing or potential customers; visit sites of loans; negotiate loan terms and conditions.
• Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs, and conformance to Bank lending policies; obtain sufficient information and/or documentation from customers.
• Resolve problems related to processing and servicing of loans within the portfolio; approve loan disbursements in accordance with agreements.
• Conduct credit inquiries and UCC filings to determine credit worthiness and appropriate collateral positioning.
• Ensure certification or deletion of collateral is made by the appropriate personnel.
• Negotiate, underwrite, and process renewals of credit facilities.
• Approve loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorize commitment, engagement, auction, and decline letters.
• Contribute to overall profitability of the branch and region; implement cost controls, income generation, and marketing efforts; monitor expenses for budget compliance.
• Verify funds with mortgage companies and contractors.
• Develop and maintain knowledge of financial industry, economy, market…