Relationship Manager CB at City National Bank
Walnut Creek, CA 94596
About the Job
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
READ MORE If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process
Please contact us via email or leave a message at
These contact methods are dedicated to applicants whose disability prevents them from successfully applying online
Only messages left for this purpose will be returned
Responses may take up to two business days.
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
READ MORE If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process
Please contact us via email or leave a message at
(213) 673-9139
These contact methods are dedicated to applicants whose disability prevents them from successfully applying online
Only messages left for this purpose will be returned
Responses may take up to two business days.