Commercial Banking Relationship Manager
Share
Job Location:
Sacramento, CA - USA
Yearly Salary:
$ 160000 - 230000
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
We are looking for aCommercial Middle Market Relationship Manager in Sacramento CA.
The Commercial Banking Relationship Manager is responsible for originating structuring and servicing a diverse portfolio of commercial loans while building strong low-risk client relationships. This role combines advanced credit expertise with proactive business development to deliver tailored financial solutions and exceptional customer service.
Key Responsibilities
- Business Development
- Generate new commercial banking relationships through prospecting referrals and networking.
- Develop and execute strategies to expand the banks presence in the market and achieve growth targets.
- Cross-sell treasury deposit and other bank products to deepen client relationships.
- Credit & Loan Structuring
- Lead the entire loan process from initial client engagement through underwriting approval and closing.
- Perform detailed credit analysis including financial statement review cash flow modeling and collateral evaluation.
- Structure and negotiate complex commercial loans (C&I CRE asset-based lending) to meet client needs while mitigating risk.
- Monitor credit performance and covenant compliance; proactively address exceptions.
- Relationship Management
- Act as the principal account manager for new and existing clients.
- Conduct regular portfolio reviews and make recommendations to optimize client profitability.
- Deliver high-quality customer service and maintain a high degree of client satisfaction.
- Compliance & Risk
- Ensure adherence to credit policy regulatory requirements and risk management standards.
- Prepare and present credit packages for approval committees.
Qualifications
- Bachelors degree in Finance Accounting or related field (MBA or formal credit training preferred).
- 6 years of experience in commercial lending credit analysis underwriting and relationship management.
- Expert knowledge of commercial loan products credit structuring and risk assessment.
- Proven ability to generate new business and expand existing relationships.
- Strong interpersonal negotiation and communication skills.
- Proficiency in financial analysis and common software applications (Word Excel CRM systems).
- Ability to manage a small to medium commercial portfolio effectively.
- This position is eligible to earn a base salary in the range of $160000 - $230000 annually plus bonus depending on job-related factors such as level of experience.
Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools training and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associates unique experiences background and perspectives and provides a collaborative environment for all employees to grow and thrive.
As a premier California-focused financial services company dedicated to serving its communities families and businesses (small mid-sized and large) CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for Best Bank and Best Commercial Bank from the readers of San Diego Union-Tribune and Orange County Register. Additionally as a division of Zions Bancorporation the bank has collected multiple Greenwich Excellence Awards for Overall Client Satisfaction in Small Business & Middle Market Excellence Awards.
Required Experience:
Manager
Key Skills
- Business Development
- Sales Experience
- Loyalty Marketing
- Portfolio Management
- Wealth Management
- Financial Services
- Algebra
- Territory Management
- Banking
- Relationship Management
- Customer relationship management
- Geometry
About Company
We are looking for a Relationship Banker (Commercial Lending) in San Diego, CA. This role focuses on identifying appropriate lending opportunities,...
