Relationship Manager - REIG

Overview

The Relationship Manager 2 will perform all the duties and have the responsibilities of a Relationship Manager 1 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.

• Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities
• 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.

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.

• 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)
• UCC
• Loan Products
• Loan Documentations

• Business Development Skills
• Time 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

• Telephones/Cell Phones
• Desk and/or Laptop Computers

• Requires standing and/or sitting for prolong periods of time.
• Requires lifting up 25 lbs.
• Office setting w/controlled temperature
• Up to 25% traveling

• High School Diploma or equivalent required
• Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required
• A minimum of 6years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management

This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.

Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.