Sumitomo Mitsui Banking Corporation (SMBC)
VP, Relationship Manager-Franchise Finance (Remote)
Sumitomo Mitsui Banking Corporation (SMBC), Los Angeles, California, United States, 90079
ABOUT THE ORGANIZATION
SMBC MANUBANK was formed by a group of banking entrepreneurs in June 1962. Our scope is to serve the specialized needs of California middle-market businesses, manufacturers, wholesalers, distributors, importers, exporters, and service companies, including small businesses and professionals.The anticipated salary range for this role is between $102,000.00 and $165,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.Our mission is to be "the bank of choice" for middle market and professional service companies by establishing long-term customer relationships and loyalty, providing superior products and services through a core of highly skilled and seasoned bankers.Job SummaryAs a Relationship Manager in the Franchise Finance lending vertical of the bank, the RM will source and build a franchise portfolio comprising of top tier Quick Service Restaurant (QSR) brands. Key responsibilities include serving as the primary point of contact or trusted advisor and acquiring, deepening, and maintaining profitable relationships, including cross-selling ancillary products to clients, collaborating with teammates, and facilitating client relationships with Product Specialists.Principal Duties and Responsibilities- Independently source and manage QSR transactions in top tier brands with annual revenues of $20MM to $500MM.- Manage a portfolio of existing franchisee accounts comprising small, medium, and large transactions including syndicated deals.- Acquire, deepen, and maintain profitable client relationships through sales, prospecting, and enhancing existing relationships through cross-sell.- Understand and interpret financial and cash flow statements to assess and analyze financial conditions of companies and industry trends.- Collaborate with Portfolio Managers and analysts to structure transactions that fit within the Bank's credit appetite.- Collaborate with Product partners in credit, deposits, and treasury management to design and deliver holistic solutions to the client.- Pre-screen new deals and add-on requests with Credit Administration and present transactions to the Bank's Capital Allocation Committee to secure credit approval.- Review and negotiate loan documents with clients/prospects and secure needed approval from Credit Administration as needed.- Monitor the portfolio closely and identify any weaknesses in credits and take appropriate credit actions to adjust risk rating and develop an exit strategy.- Assist PM/analysts in keeping portfolio ticklers current.- Coach and mentor peers as needed.- Adapt to changes in sales practices and broader market and industry conditions as needed.- Conduct regular in-person meetings with clients and prospects, and attend trade shows and lender meetings.Position Specifications- Must have a minimum of 7-10 years of experience in Commercial Lending with a focus in Franchise lending.- Strong knowledge of various QSR/Fast Food brands and familiarity with underwriting guidelines in this specialized cash flow lending vertical.- Demonstrated ability to successfully manage an extensive portfolio of clients.- Proven track record of prospecting new business, enhancing existing relationships, and closing profitable transactions.- Professional proven sales skills and experience, including planning, execution, and follow-up of client meetings.- Financial modeling experience and the completion of formal credit training is required.- Outstanding oral and written communication skills.EOE STATEMENTWe are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status, or any other characteristic protected by law.
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SMBC MANUBANK was formed by a group of banking entrepreneurs in June 1962. Our scope is to serve the specialized needs of California middle-market businesses, manufacturers, wholesalers, distributors, importers, exporters, and service companies, including small businesses and professionals.The anticipated salary range for this role is between $102,000.00 and $165,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.Our mission is to be "the bank of choice" for middle market and professional service companies by establishing long-term customer relationships and loyalty, providing superior products and services through a core of highly skilled and seasoned bankers.Job SummaryAs a Relationship Manager in the Franchise Finance lending vertical of the bank, the RM will source and build a franchise portfolio comprising of top tier Quick Service Restaurant (QSR) brands. Key responsibilities include serving as the primary point of contact or trusted advisor and acquiring, deepening, and maintaining profitable relationships, including cross-selling ancillary products to clients, collaborating with teammates, and facilitating client relationships with Product Specialists.Principal Duties and Responsibilities- Independently source and manage QSR transactions in top tier brands with annual revenues of $20MM to $500MM.- Manage a portfolio of existing franchisee accounts comprising small, medium, and large transactions including syndicated deals.- Acquire, deepen, and maintain profitable client relationships through sales, prospecting, and enhancing existing relationships through cross-sell.- Understand and interpret financial and cash flow statements to assess and analyze financial conditions of companies and industry trends.- Collaborate with Portfolio Managers and analysts to structure transactions that fit within the Bank's credit appetite.- Collaborate with Product partners in credit, deposits, and treasury management to design and deliver holistic solutions to the client.- Pre-screen new deals and add-on requests with Credit Administration and present transactions to the Bank's Capital Allocation Committee to secure credit approval.- Review and negotiate loan documents with clients/prospects and secure needed approval from Credit Administration as needed.- Monitor the portfolio closely and identify any weaknesses in credits and take appropriate credit actions to adjust risk rating and develop an exit strategy.- Assist PM/analysts in keeping portfolio ticklers current.- Coach and mentor peers as needed.- Adapt to changes in sales practices and broader market and industry conditions as needed.- Conduct regular in-person meetings with clients and prospects, and attend trade shows and lender meetings.Position Specifications- Must have a minimum of 7-10 years of experience in Commercial Lending with a focus in Franchise lending.- Strong knowledge of various QSR/Fast Food brands and familiarity with underwriting guidelines in this specialized cash flow lending vertical.- Demonstrated ability to successfully manage an extensive portfolio of clients.- Proven track record of prospecting new business, enhancing existing relationships, and closing profitable transactions.- Professional proven sales skills and experience, including planning, execution, and follow-up of client meetings.- Financial modeling experience and the completion of formal credit training is required.- Outstanding oral and written communication skills.EOE STATEMENTWe are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status, or any other characteristic protected by law.
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