Relationship Manager - Sales jobs in Modesto, CA

Position Title: VP Relationship Manager

Department: Wholesale Banking

Grade Level: Officer

Reporting To: SVP, Modesto Market Manager

FLSA Status: Exempt

Salary: $125,000 - 200,000 - Commensurate with experience and qualifications

F&M Bank believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this position description is designed to outline primary duties, qualifications and job scope, but not limit the individual nor the organization to just the work identified. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.

Job Summary

This individual has overall responsibility for managing a portfolio of commercial loans. We expect this individual to grow the portfolio through solicitation of new loans from existing customers and business owners as well as establishing new key relationships and increase their book of business. The individual will perform regularly scheduled business development calls and promote F&M Bank’s services including Treasury Management and Retail products. He/she should be able to demonstrate negotiating skills while discussing credit, negotiating fees and interest rates. They should also have a good understanding of commercial lending policies, programs and procedures, and the ability to follow federal and state regulations and laws.

Essential Job Responsibilities

• Develop & manage medium to large business relationships, handle workouts and solicit new business. Negotiate and follow through from start to finish the preliminary credit analysis, entire loan process and bookings of new commercial loans.
• Expand and develop effective business relationships and trust with clients and potential clients by listening and uncovering their needs while also educating the client on all bank products and services offered including Treasury and Retail Bank products.
• Responsible for understanding quality of the credit portfolio and making credit solution recommendations ensuring credit has accurate risk rating.
• Work closely with credit administrators and other support personnel to assure high level of quality in each credit application presented for approval.
• Interact with Senior Management as needed to discuss concepts, issues, opportunities, problems and strategies to ensure adherence to credit policies and procedures.
• Perform overall maintenance on existing loans as needed to ensure compliance.
• Other duties as assigned.

Education & Skills Required

Education and Experience

• Requires a bachelor’s degree in Business, Accounting or Finance related field.
• Individual must have a minimum of 2-5 years experience in a Financial Institution or other related area.
• Requires excellent leadership, written and verbal skills.
• Must be able to use various Bank related PC applications including, but not limited to the following: Windows, E-mail, SilverLake, Streamline, Jack Henry, Word processing, EXCEL and data entry.

Skills

• Must be detail-oriented and possess strong negotiating skills.
• Above average written and verbal communication skills with emphasis on correct English grammar.
• Demonstrate ability to exercise independent judgment, initiative and tact in dealing with management, supervisors, staff and the general public.
• Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed in a timely manner.
• Must present a professional, business-like manner and appearance.
• Maintain confidentiality.

Usual Working Conditions

Physical

• Continuous sitting.
• Occasional standing/walking.
• Occasional reaching overhead/extension.
• Frequent handling of paperwork.
• May include possible travel to branch or other F&M Bank locations to attend meetings, seminars or provide training.

Mental

• Continuous interaction with others.
• Continuous deadlines to meet.
• Continuous flexibility to establish workflow priorities.
• Continuous attention to detail.

Environmental

• Occasional irregular hours.

Note: This job description is not an employment agreement or contract. Management has the exclusive right to alter this job description at any time without notice.

F&M Bank

We are an equal opportunity employer - This organization participates in E-Verify - Esta Organización Participa en E-Verify

Job Type: Full-time

Pay: $125,000.00 - $200,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Cell phone reimbursement
• Dental insurance
• Disability insurance
• Employee assistance program
• Employee discount
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Mileage reimbursement
• Paid time off
• Paid training
• Parental leave
• Travel reimbursement
• Tuition reimbursement
• Vision insurance

Experience level:

• 5 years

Schedule:

• 8 hour shift
• Monday to Friday

Supplemental pay types:

• Bonus pay

Travel requirement:

• Up to 25% travel

Ability to commute/relocate:

• Modesto, CA 95350: Reliably commute or planning to relocate before starting work (Required)

Education:

• Bachelor's (Required)

Experience:

• Relationship Manager: 5 years (Required)
• Lending: 6 years (Required)
• Word Processing: 3 years (Required)

Work Location: In person