Full Time
Walnut Creek, CA
Posted 3 weeks ago


The Relationship Credit Manager (RCM) role is a credit function which executes on loan underwriting and portfolio management for an assigned portfolio of relationships, generally within a certain geographic team (or specialized lending team) consisting of both C&I (Commercial loans) or CRE (Commercial Real Estate loans).   Though it reports through Credit Administration, it is imbedded within and is a member of the Relationship Management Team. 


Essential Functions

  • Prepare underwriting documents/approval reports necessary to recommend loan requests to appropriate approver(s), describing the opportunity, recommending credit structure, and identifying and communicating key underwriting issues and mitigants.
  • Analyze credit and financial information (e.g., credit reports, tax returns, financial statements, etc.) to determine levels of credit risk involved in lending money to C&I and CRE customers and make appropriate structuring recommendations.
  • Anticipate review dates and/or maturity dates and coordinate requests for financial statements with relationship team to ensure all necessary documentation is received from the client to facilitate expeditious underwriting.
  • Prepare periodic financial review including when appropriate monitoring/testing financial covenants.
  • Participate in client meetings and site visits as time allows; and participation in loan closing and customer negotiations is not required, but encouraged from a personal development standpoint.
  • Understand and comply with credit policy and approval procedures.



  • Bachelor’s degree in Business, Finance or Accounting, or equivalent related experience is preferred. Undergraduate degree is a minimum requirement.
  • Five (5+) years of experience with a focus on underwriting complex C&I and CRE credits. (Junior or AVP level RCM could have 3 years)
  • Firm understanding of accounting principles, financial statement analysis and banking operations and regulations.
  • Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
  • Accurate word processing and computer database skills; with extensive knowledge of Microsoft Office Suite applications.


Job Features

Job CategoryCredit Administration

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By |2021-02-11T11:05:54-08:00February 9th, 2021|