Relationship Manager


Gardena, CA

Industry: Accounting, Finance & Insurance


Less than 5 years

Posted 11 days ago

JOB #: 18121203-FS

KEY WORDS: Banking, Business Development, Sales, Portfolio, Loans


The Relationship Manager is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed commercial real estate loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. Guide credit request through review by division manager, and senior credit review officers. Assist loan administration through the closing process.

Job Duties: 

• Establishing new relationships and fostering existing relationships

• Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans.

• Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank's interest in providing a credit facility for the designated purpose

• Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made

• Prepare investment analysis and credit package for review by department manager and credit administrators

• On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided

• Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors

• Manage financial ticklers

• Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities

• Stay abreast of market trends and develop/maintain a network of referral sources

• Perform other duties as assigned

Salary Range and Bonus Potential:  

$120k to $135k plus incentive per year


• Comprehensive Benefit Package

Job Requirements: 

• Minimum of 4-7 years of experience in commercial lending, including valuation and asset management, and financial analysis

• A general knowledge of appropriate loan documentation, collateral analysis and financial statements

• P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus)

• Familiarity with Moody's analysis systems

• Excellent composing and writing skills

• Above-average interpersonal skills; ability to communicate verbally with a wide range of people

• Positive attitude and willingness to work

• Responsiveness, judgment, maturity, integrity, and time management skills are required

Educational Requirements: 

• B.A. Degree in finance or related field and/or related work experience


$120K - $140K