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Senior Relationship Manager

Company: Mechanics Bank
Location: Irvine
Posted on: November 22, 2021

Job Description:

Mechanics Bank is searching for an experienced Senior Relationship Manager to be part of our Southern California Commercial Banking Team. We are growing and looking for a high caliber individual to be part of a growing team and help contribute to our success. Will call on prospective and existing middle market businesses that have financing needs which require complex analyses, underwriting, structuring, and documentation. Maintains a robust pipeline of prospective and existing clients for acquisition and expansion of client relationships. Maintains a portfolio of middle market or specific industry client relationships with complex monitoring requirements and ensuring compliance with all loan covenant, conditions, and regulatory requirements. Will have solid experience with structuring a loan, knowledge of the credit process and able to build a portfolio. May be asked to handle client relationships requiring industry specialization needs. Should be able to work independently and can meet goals of job with minimal oversight or coaching needed. What you will do: * Calls on new and existing clients to create and maintain a robust pipeline of new business; initiates new or strengthens assigned banking relationship to identify and act on opportunities to create /expand the relationship. Monitor for competitive information and take appropriate action if necessary to retain/expand client relationships. Provides suitable advice and counsel to existing and potential customers. Studies industrial, commercial, economic and financial situations relating to the business to offer advice, if appropriate. * Manages a portfolio of middle-market client relationships with significant complexities in financial analysis, underwriting, or structuring and/or representing an industry concentrations requiring industry expertise. Monitors the relationship to ensure ongoing credit quality and compliance with loan terms. Initiates and oversees fulfillment of the end-to-end processes for loan renewals and modifications. Initiates appropriate and timely actions for any defaults to loan covenants or conditions of approval. * Prepares quality credit presentations of highly significant complexity justifying the credit request that is supported with comprehensive financial and non-financial analyses, appropriate identification of risks and risk mitigations, and structuring and pricing consistent with Bank policies and guidelines. * Mentors and assists credit analysts, underwriters, and less experienced relationship managers in appropriate structuring of credit requests to best meet client needs while adhering to Bank policies and risk profiles. * Participates in industry, civic, and community events to build a network of referral sources and to generate business leads. Supports the Bank's Brand and mission internally and externally. Supports Brand awareness through marketing efforts and community outreach. Who you are: * Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, customers, the general public and professional peers. A solid understanding of business and banking terminology. * Ability to work with mathematical concepts such as statistical inference and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to business related situations. Basic understanding of accounting, including financial statement and credit analysis skills. * Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Demonstrated negotiation skills. * Ability to create new word processing and spreadsheet files using generally accepted formats. Ability to use data base programs and other banking specific programs and to access reports. Ability to use software documentation and help features. Aptitude for learning advanced features and specialized software programs. * Ability to manage multiple clients, loan requests, deadlines and other priorities. Utilizes critical and creative thinking skills. * Four to eight years related commercial and/or commercial real estate loan experience; and Bachelor's degree (B.A./B.S.) from four-year college or university or a related university certificate program plus minimum two years equivalent experience. Experience must include commercial and commercial real estate loans and secured by various types of collateral. Business development skills. Comfortable selling to prospects, networking, cold calling and speaking before groups. * Master of Business Administration with an emphasis in finance, preferred * A minimum of three years prior experience as a Relationship Manager or equivalent lending experience that includes working directly with clients. * Membership in relevant trade associations or bank trade groups. * Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law. * Please view Equal Employment Opportunity Posters provided by OFCCP here. * To learn more about Mechanics Bank's California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit https://www.mechanicsbank.com/California-Consumer-Residents

Keywords: Mechanics Bank, Irvine , Senior Relationship Manager, Accounting, Auditing , Irvine, California

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