Relationship Manager

Location: Irwindale, CA
Date Posted: 04-05-2018
Full Time Position
Irwindale, CA 
College Degree Required

The Relationship Manager is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed commercial real estate loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. Guide credit request through review by division manager, and senior credit review officers. Assist loan administration through the closing process.

 RESPONSIBILITIES:     
  • Establishing new relationships and fostering existing relationships
  • Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans.
  • Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank’s interest in providing a credit facility for the designated purpose
  • Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made
  • Prepare investment analysis and credit package for review by department manager and credit administrators
  • On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided
  • Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors
  • Manage financial ticklers
  • Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities
  • Stay abreast of market trends and develop/maintain a network of referral sources
  • Perform other duties as assigned
 POSITION REQUIREMENTS: 
  • B.A. Degree in finance or related field and/or related work experience
  • Minimum of 4-7 years of experience in commercial lending, including valuation and asset management, and financial analysis
  • A general knowledge of appropriate loan documentation, collateral analysis and financial statements
  • P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus)
  • Familiarity with Moody’s analysis systems
  • Excellent composing and writing skills
  • Above-average interpersonal skills; ability to communicate verbally with a wide range of people
  • Positive attitude and willingness to work
  • Responsiveness, judgment, maturity, integrity, and time management skills are required
 Please email resume to eric.derise@jba.com
 
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