The Relationship Credit Manager (RCM) serves as an integral role in maximizing the profitability of the customer/client relationship through effective analysis of credit based opportunities and the maintenance of credit quality. The RCM executes on loan underwriting and portfolio management for an assigned portfolio of relationships, generally within a certain geographic team or specialized lending team. The RCM is a credit function. Though it reports through Credit Administration, it is imbedded within and is a member of the Relationship Management Team. Success in this position will be measured with input from both the Relationship Management Team and Credit Administration.
- New Loan Request Underwriting.
- Prepare documents necessary to pre-flight transaction with appropriate approver(s), describing the opportunity, recommending credit structure, and identifying and communicating key underwriting issues and mitigates thereto to gain initial buy-in.
- Coordinate with Relationship Manager (RM) and Banking Services Officer (BSO) to ensure all necessary documentation is received from the client to facilitate expeditious underwriting.
- 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 commercial customers and make appropriate structuring recommendations.
- Enters financial figures into appropriate programs to generate ratios and conducts in-depth financial analysis in assessing commercial businesses. May request that spreads be completed by centralized analysis team.
- Responsible with reconciliation, calculation, and interpretation of ratios; comparative, trend and market analysis; accurate cash flow analysis and ability to generate cash flow projections using key drivers and assumptions; and stress-testing to determine risk involved in the extension of credit.
- Independently researches and gathers industry data from multiple sources, as applicable to compare items such as liquidity and profitability with other companies of same industry, size, and geographic location for commercial customers.
- Draw conclusions of Applicants/Borrowers’ financial condition.
- Underwrite the opportunity and prepare and submit the Loan Request for approval.
- Prepares thoughtful, clear, and concise written analysis, identifying repayment sources, key risks and mitigating factors, and makes discretionary recommendations/suggestions based on analyzed data for presentation to management.
- Coordinate with RM and BSO to ensure necessary leases are reviewed and when appropriate, SNDAs (investor properties) and landlord waivers (leased space for C&I transactions) are obtained or waived through Credit Administration.
- 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.
- Portfolio Management/Review.
- Anticipate review dates and/or maturity dates and coordinate requests for financial statements with relationship team (Primary responsibility for collecting financial data resides with BSO).
- Prepare renewal/extension approvals in advance of maturities (see New Loan Request Underwriting above).
- Prepare periodic financial review including when appropriate monitoring/testing financial covenants.
- Ensuring site visits and property inspections are performed annually.
- Review new leases and obtain landlord waivers for new space occupied by client.
- Bank-wide support.
- Be available at all times across teams to underwrite transactions of high impact to the bank.
- When time permits, proactively be available to provide underwriting support to other teams.
- Provide regular and timely feedback to Credit Risk and Operations Manager as to current backlog and priorities.
- As a Relationship Credit Manger progresses in her/his career experience, the RCM is expected to:
- Seek out training courses and seminars to enhance her/his skills and request approval to attend.
- Underwrite complicated transactions and recommend appropriate loan structure reflective of the bank’s portfolio goals, risk appetite and current market conditions with minimal direction from RM.
- Negotiate with the client on an as needed basis if/when the RM is unavailable.
- May be asked to manage the workflow for a team of Relationship Credit Managers.
- Build a trusted and direct relationship with customers/clients as part of the relationship team.
- Understand and comply with credit policy and approval procedures.
- Proactively mentor and support less experienced Relationship Credit Managers, Underwriters and Analysts.
- Perform other duties, as assigned.
EDUCATION AND EXPERIENCE
- Bachelor’s degree in Business, Finance or Accounting, or equivalent related experience.
- Five (5) years of experience with a focus on underwriting complex C&I and CRE credits.
- Must possess a valid California state driver’s license.
- Must be bondable.
|Job Category||Credit Administration|