Bachelor's degree in business or finance from an accredited institution.
Minimum of 15 years of commercial banking experience, particularly with the target market.
Demonstrated success in generating new business and expanding client relationships.
Strong understanding of local market dynamics and established network of contacts.
Proven leadership skills in managing a major division within a community bank.
Solid foundation in credit and financial analysis.
Responsibilities
Lead and manage a team of Commercial Banking Relationship Managers and support staff.
Identify and develop new deposit, cash management, and lending opportunities.
Supervise and mentor department staff to ensure high performance and accountability.
Deliver marketing presentations and consultative solutions to clients and prospects.
Cultivate strong relationships with referral sources such as CPAs and lawyers.
Create a comprehensive 3-year business plan with growth forecasts and profitability budgets.
Ensure compliance with bank regulations and support CRA initiatives.
Benefits
Comprehensive training and development programs for staff.
Opportunities for professional growth and advancement within the bank.
Supportive work environment focused on teamwork and collaboration.
Engagement in community development initiatives through CRA compliance.
Full Job Description
Responsible for leading the Bank's Commercial Banking activities in the Los Angeles region to (a) provide superior service to existing clients, (b) expand the relationship with existing clients by providing new products and services, and (c) develop new business with a wide variety of private sector commercial and industrial prospective clients.
The services provided include, but are not limited to credit, deposit, and cash management. The target market is typically clients with revenues of $25-$250 million, resulting in aggregate credit and deposit relationships in the $5-$75 million range.
Essential Functions
Manage Commercial Banking Relationship Managers, Business Development Officers, and Support Staff, while working closely with Portfolio Managers/Credit Analysts, Loan Documentation specialists, the Cash Management team, Premier Banking, to expand existing client relationships through the provision of the Bank's products.
Identify and develop deposit, cash management, and lending opportunities with prospective Bank clients. Arrange meetings and conduct interviews with prospective clients to determine whether a relationship will be profitable and an acceptable risk for the Bank.
Supervise department staff to ensure a highly competent, motivated staff through selective hiring, and ongoing training, counseling, supervising, and reviewing performance of employees. Provide daily leadership/coaching of staff to ensure accountability and achievement of assigned sales and referral goals.
Provide marketing information and make professional presentations to clients and prospects, specifying product availability, and applying creative solutions to satisfy client problems/issues utilizing a consultative selling model.
Develop and maintain strong relationships with referral sources/COIs, such as CPAs, lawyers, wealth managers, etc.
Develop a rolling 3-year business plan, including objectives, target market identification, loan & deposit growth forecasts, head-count needs, and annual profitability budgets.
Actively participate in the development of employees through training, coaching and mentoring. Collaborate with the Human Resources Training personnel on the curriculum and implementation.
Maintain a current knowledge of bank regulations and ensure compliance with all relevant bank policies, procedures, and operating regulations.
Support the Bank's desire to comply with the Community Reinvestment Act (CRA) through business development efforts.
Participate in the Bank's Loan Committee, Pricing Committee, and Asset/Liability Committee (ALCO).
Other duties as assigned.
Requirements
Education:
Bachelor's degree (BA or BS) with coursework in business and/or finance from an accredited college.
Required Experience:
Solid commercial banking experience, generally gained through a minimum of 15 years previous experience with the Bank's target market for commercial banking.
Proven success in generating new business.
Thorough understanding of local market and solid base of contacts.
Strong foundation in credit and financial analysis.
Proven ability to effectively manage people and lead a major division of a community bank.
Knowledge Skills/Abilities:
Ability to work independently, lead a team, and function well as part of a larger team.
Strong sales skills and demonstrated success selling to prospects in the Bank's target market through referrals, networking and cold calling.
Additional Comments:
Salary Description
$220,000 - $290,000 per year
About River City Bank
River City Bank is a community bank that provides personal and business banking services. The bank offers checking and savings accounts, loans, credit cards, online banking, mobile banking, and other financial services. River City Bank serves customers in the Sacramento region and has 7 branches located in Sacramento, Roseville, Elk Grove, and Fair Oaks. The bank was founded in 1973 and is committed to providing exceptional customer service and supporting the local community.
