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About the Role

The Relationship Manager will maintain and grow a deposit/cash management and commercial loan portfolio. This role serves as the primary point of contact and relationship manager for middle market loans and deposits, ensuring superior customer service.

Responsibilities

• Maintains and grows existing and new commercial loans while providing superior customer service.
• Negotiates and structures new and renewed commercial loans; prepares and documents current applications; reviews and analyzes financial data and other relevant information to determine each customer’s eligibility for credit.
• Demonstrates extensive knowledge of all bank products; identifies relationship-expansion opportunities and collaborates with partners to structure, coordinate, and fulfill credit and non-credit solutions, including cash management.
• Initiates and implements an effective calling program to focus efforts on maintaining and increasing commercial banking relationships.
• Represents the Bank in community organizations and activities to enhance the Bank’s image and maintain and enhance a referral network for business development opportunities.
• Supports the Community Reinvestment Act (CRA) through business development efforts and actively participates in community organizations.
• Maintains a current knowledge of bank regulations and ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
• Performs other duties as assigned.

Requirements

• Fifteen or more years’ experience in financial or banking services in commercial lending with a proven track record of exceeding performance in developing and maintaining business in the commercial industry.
• Excellent sales skills with the ability to meet or exceed established loan and deposit sales goals within expected timelines.
• Credit analysis and commercial underwriting skills, including accounting, financial statement, and cash flow analysis experience.
• Working knowledge with structuring credit products to middle market businesses in diverse industries with complex ownership structures.

Skills

• Sales
• Credit analysis
• Commercial underwriting
• Accounting
• Financial statement analysis
• Cash flow analysis
• Structuring credit products

Location

• Onsite

Work Type

• Full-time

Experience Level

• 15+ years

Education Level

• Bachelor Degree in accounting, business, or finance or equivalent experience
• MBA or Master's Degree preferred

About the Company

• River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity.

Equal Opportunity

• Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws.
• Note: River City Bank does not sponsor applicants for work visas.
• For CA residents please read the Notice at Collection - California before applying.