Relationship Manager

Gardena, CA 90247

Posted: 01/18/19 Employment Type: Direct Hire Industry or Function: Banking Job Number: 18121203-FS Compensation: $120k to $135k plus incentive per year

JOB #: 18121203-FS

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

JOB DESCRIPTION:
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


Benefits:
• 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

FOR OTHER OPPORTUNITIES AND TO REGISTER WITH TRISTAFF, PLEASE VISIT OUR WEBSITE AT www.tristaff.com

Michael Wilson
Director of Commercial Banking

I joined the TriStaff Group in November 2014 as the new Division Director of Banking when I relocated back to San Diego from Ontario, CA. I was hired to promote and expand the new Banking Division at TriStaff Group. Before joining the TriStaff team, I spent 10 years as Vice President, Talent Acquisition Manager for Citizens Business Bank in Ontario, CA, where I was responsible for all recruitment efforts of the bank. My Team and I focus on recruiting top-talent primarily in the Commercial Banking space for banks throughout California and nationwide. We specialize in placing Relationship Managers, Business Development Officers, Portfolio Managers, Business Bankers, Commercial Underwriters, Credit Analysts, Compliance & Risk Officers, Operations Managers, Regional Managers, Center Managers and Executive level professionals. We have placed many candidates with some of the top-rated banks in California and the nation. I’m excited to have the opportunity to build a Banking Division at TriStaff Group and to further promote the excellent reputation that TriStaff Group has in the market-place. I enjoy partnering with my clients to find top-talent to assist them in achieving their company goals, as well as helping a candidate enhance their career. I’m passionate about recruiting and building long-term relationships with clients and candidates. I was raised in Chula Vista where I attended Chula Vista High, Southwestern Junior College and San Diego State University. No matter where I have lived, I have always remained a loyal fan of the Chargers, Padres and Aztecs. I enjoy following the local sports teams, football, collecting sports memorabilia & art, gardening, traveling and enjoying the company of my pets.
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