Relationship Manager Commercial Real Estate

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Job description

JOB REQUIREMENTS

The following job duties are considered essential to this position and can be amended by supervisor as needed. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

Major Accountabilities/Essential Duties

* Basic duties include portfolio management; establishing key relationships; business development; and promotion of the full range of Rabobank's services and products (i.e.: cash management / treasury products, trust services, swaps, etc).
* Manages existing loans to ensure complete compliance with terms of approval and Rabobank, N.A.'s credit policy. Follows existing loans to ensure complete compliance with terms of approval. Manages delinquencies at an acceptable level.
* Develops a network of prospective-client referral sources through community and business development activities.
* Effectively represents the Bank while calling on potential or existing customers to develop new business and expand client relationships.
* Interviews applicants to obtain sufficient information concerning their specific projects, financial needs, and goals to make acceptable risk determinations for proposed Bank loans.
* Initiates promotion of other Bank products and services to strengthen client relationships.
* Develops close working relationship with other divisional partners such as Retail Banking, Commercial Banking, Ag, GGLD, Trust Services, Global Financial Markets, Equipment Leasing and Treasury Services
* Evaluates customer's needs, assesses customer's eligibility and suitability for certain products and negotiates acceptable product solutions utilizing product specialists as needed.
* Makes credit solution recommendations.
* Responsible for the credit underwriting process.
* Responsible for understanding quality of the credit portfolio.
* Timely recognition and reporting of potential credit issues.
* Ensure the credit has accurate risk grading.
* Works closely with credit administrators, Financial Analysts, Loan Process Coordinators and other staff to assure high level of quality in each credit application presented for approval.
* Completes and reviews and approves annual loan reviews completed by Analysts, and ensures reviews are completed in a timely fashion.
* Levels III and IV may act as a mentor for lower level relationship managers.
* Gives financial and counsel to clients and prospective clients on RNA products.
* Performs all other job duties as assigned by supervisor.

Job Skills and Knowledge

Ability to supervise others, as well as capability to provide performance coaching and effective employee goal setting. Ability to disseminate information and guidelines clearly to employees and check for understanding.

Proficient with: MS Word, MS Excel

* Possess excellent human relations, communications and business writing skills.
* Ability to work effectively without direct supervision.
* Ability to comprehend and interpret Bank policies and procedures.
* Possess effective time management and organizational skills.
* Demonstrates teamwork in facilitating workflow. High level of cooperation with others and is responsive to the Bank's needs.
* Exemplary motivation, enthusiasm, professionalism and team skills.
* Have high level of accuracy and great attention to detail.
* Strong analytical and problem solving skills.
* Possess full knowledge of retail banking services.
* Ability to make administrative decisions.
* Demonstrates with excellent customer service skills.
* Ability to cope with pressure resulting from meeting required deadlines, reporting requirements and training responsibilities.
* Ability to make sound decisions for the Bank when utilizing signing authority.
* Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive customer or employee information.
* Ability to handle constant use of tact, discretion and good judgment.
* Ability to travel between bank and customer locations and/or commute for training purposes.
* Must be able to negotiate, structure and underwrite loans; make solid credit recommendations; and manage credit risk.
* Valid Driver's License required or available transportation.
* 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