Relationship Manager CB

RELATIONSHIP MANAGER Commercial Bank: San Francisco, San Jose, or Walnut Creek - hybrid schedule, 3 days in office WHAT IS THE OPPORTUNITY? Develops and manages relationships with commercial clients ($40-500MM annual revenues) in the assigned business segment and/or geographic areas

Presents a variety of product solutions to client needs

Provides responsive, quality service

Approves transactions within delegated authority

Manages overall relationship profitability and portfolio risk and is responsible for profitable growth of the portfolio assigned

This may be accomplished through active calling efforts and referrals from existing customers, providing the CNB exemplary level of service, identifying and promoting solutions to customer needs, and maintaining an active calling program

What you will do Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank

Actively works with customers and develops prospects consistent with the credit culture of the bank

Is pro-actively identifying and working with customers to ensure the credit quality standards of the bank

Develops relationships and support other CNB departments and colleagues to provided customers and prospects the solutions recommended

Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers

Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program

Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry

Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts

Sets objectives for each relationship in terms of revenue contribution, etc

Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship

Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs

Brings in product specialists, as necessary, to help problem solve or structure transactions

Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements

Exercises sound credit and risk judgement in approving transactions

Recommends approval when transaction size exceeds authority limits

Ensures the quality of all business introduced to the Bank

Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate

Interfaces with other Bank departments as necessary

Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction

Resolves all client needs and any internal issues

Monitors and analyzes relationship results and account activities

Determines client profitability

Makes a recommendation regarding accounts to be further developed or eliminated

Prepares reports for management

Monitors portfolio for quality, risk and adherence to policy

Works with the appropriate staff departments to resolve issues

Maintains awareness of competitive products, practices, rates and changes in market conditions

Analyzes problem credits and meets with client to develop solutions to minimize loss exposure

May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations

Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential Must-Have* Bachelor's Degree or equivalent Minimum 3 years of lending experience required

Minimum 3 years of credit experience required Skills and Knowledge Good understanding of all products and services applicable to target client segment

Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures

Demonstrated sales and marketing abilities

Good credit analysis and accounting skills

Capable of working well independently and in teams

Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility

Strong interpersonal, verbal, and written communication skills

Strong demonstrated sales and marketing abilities including cross selling skills

Superior client relationship skills

Good understanding of commercial credit policies and procedures

General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction

Sound credit analysis and accounting skills

Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility

Must be capable of working well independently and in teams

Strong interpersonal, verbal, and written communication skills

Compensation *Bay Area salary represented below Starting base salary: $101,325 - $172,568 per year

Exact compensation may vary based on skills, experience, and location

This job is eligible for bonus and/or commissions

*To be considered for this position you must meet at least these basic qualifications The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification

It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job

Benefits and Perks At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues

Get an inside look at our Benefits and Perks

ABOUT CITY NATIONAL City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024

Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C

and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets

City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves

*City National Bank does business in Miami and the state of Florida as CN Bank

For more information about City National, visit cnb.com

EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct

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