Relationship Manager II
Location: Tustin, CA
Job Code: BM853

The Relationship Manager II will perform all the duties and have the responsibilities of a Relationship Manager I level position with added lending approval authority. These duties and responsibility include the sale, 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.

Essential Duties

• Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities
• Establish and maintain an excellent rapport with key branch customers, including those with complex financing and depository requirements by making monthly retention calls on selected deposit customers
• Provide detail 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
• Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed
• Recommend loan approval or decline to credit administration or submit to credit analyst for verification and/or recommendation
• Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and update all credit loan files and loan agreements with current financial information to ensure that they are complete an accurate according to policy
• Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and update all credit loan files and loan agreements to ensure that they are complete an accurate according to policy.
• Monitors loan repayment activities and takes necessary action to collect any past–due accounts as consistent with bank policy
• Assist customers and follow up on outstanding items
• Collaborate with the Branch Manager on employee development, management activities, and operational functions

Required Knowledge

• Regulation CC
• Regulation DD
• Regulation E (EFT)
• Bank Secrecy Act
• FDIC Insurance
• Privacy Laws
• Regulation BB (CRA)
• Regulation B (ECOA)
• Regulation X (RESPA)
• Regulation Z (Truth about Lending)
• Fair Credit Reporting Act
• UCC
• Deposit Products
• Investment Products
• Loan Products
• Loan Documentations
• Account Services
• Trust Services
• Bank Operations

Basic Knowledge, Skills and Abilities

• Business Development Skills
• Time Management Skills
• Supervisory/Management Skills
• Clear understanding of the English Language (Spoken & Written)
• Basic Mathematics Skills
• Telephone Skills
• Customer Service Skills
• Critical Thinking, Judgment & Problem Solving Skills
• Ability to actively listen & learn
• Ability to use oral communication techniques to sell products or services
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts

Education and Experience

• High School Diploma or equivalent required
• Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required
• A minimum of 10 -15 years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management

Estimated salary range (DOE): $156K to $246K plus annual bonus, (possible signing bonus), medical, dental, vision, life, vacation, 401K

Email your resume in MS/Word to Guyot@Bankers-Search.com