Commercial Real Estate Relationship Manager - San Jose

Meriwest Credit Union San Jose , CA 95111

Posted 5 days ago

Commercial Real Estate Relationship Manager

Business Banking

San Jose

Position Summary:

Develop a strategic plan for development of new business and provides processes for implementation. Manage the day-to-day business development functions of the credit union. Initiate contact with potential company or community businesses through visits, mailings, and phone calls. Maintain current relationships and grows business accounts through mailings, sign-ups, presentations, phones, and visits to business clients.

Duties and Responsibilities:

  • Attain loan, deposit, and fee income goals by quickly and confidently differentiating the characteristics of a strong deal that should advance for full underwriting and a weak deal that should be denied. Develop and establish relationships with business owners in MCUs target markets through effective networking and recommending the most appropriate products, services, loan programs and solutions to meet their current and future business needs.

  • Be active, accessible and visible within the business community as a representative of MCU by delivering exceptional member service and product support.

  • Be present in the community to identify business prospects through networking, events, and referrals.

  • Partner with MCU staff in making business calls and servicing business members.

  • Assist and educate MCU staff on business loan guidelines, practices, and procedures.

  • Continuously develop new business opportunities through cold calls, in person contact, networking and market research.

  • Obtain, review, analyze and underwrite the financial situation of business prospects based on financial statements, tax returns, credit history, and business plans. Exhibit independent judgment when preparing a credit memo that is clear, concise, and focused with identified risks, valid mitigates, and precise and meaningful conclusions. Loan structures will have clear purpose, and solid primary and secondary repayment sources without dependence on collateral liquidation. Credit quality and risk mitigation is key.

  • Early in the process, develop a clear understanding of the request, the borrower and guarantors business and role, and any potential issues or concerns.

  • Take a leadership role in obtaining needed information and anticipating future needs to insure a smooth and timely process for both the customer and internal staff

  • Work effectively and productively with underwriter and operations, insuring clear understanding through focused and concise communication.

  • Gather and review information and documentation needed to complete a comprehensive evaluation and understanding of the opportunity.

  • Seek clarity from the client and internal staff, as appropriate such that needed information is obtained in a timely manner

  • Ensure all records and files are complete, comprehensive, and accurate, reflecting the loans approved.

  • Credit and documentation files are in order

  • All documentation and administrative activities are completed in a manner to ensure proper use of funds and perfected collateral positions.

  • Verify that loan documentation is consistent with conditions approved, complete, and properly executed.

  • Work with staff to ensure proper boarding, closing, funding, and servicing activities.

  • Demonstrate effective portfolio management through active and timely follow up of all required documents, reporting requirements, financial and non-financial covenants, administrative covenants and conditions of approval; taking appropriate and timely action, as needed including those situations in default.

  • Ensure ongoing, quality relationships by making regular site visits to the place of business, resulting in a thorough understanding of the business operations, competitive markets, its future direction and business strategy, and serving as a financial advisor for their success.

  • Assess, service, and facilitate their business and personal lending, deposit, and financial service's needs; identifying cross selling opportunities for additional products and services

  • Partner with business owners to extend Meriwest's products and services to their employees and their clients in order to expand their business and personal banking relationships.

  • Be responsive to internal and external requests, demonstrating solid and effective management of client portfolio responsibilities.

  • Demonstrate active problem loan prevention and recognition by taking appropriate and timely action as needed. This is evidenced by a clear understanding of all rules, regulations, federal and state laws, loan policies, guidance, and procedures; and regulatory advice and guidance to ensure compliance, and safety and soundness. Be active in managing risk mitigation for the department.

  • All loans are current and not matured or past due

  • Timely completion of annual reviews.

  • Accurate and timely risk ratings to ensure proper reserves and risk mitigation activities

  • On-going monitoring of loan payments, delinquencies, and overdrafts.

  • Proactive problem detection and timely resolution. Recommended actions will result in a win-win resolution.

Minimum Qualifications:

  • BA/BS degree in related field or equivalent experience or training.

  • 35 years' experience in related position, full knowledge of business deposits, complex commercial and business loan underwriting, documentation preparation, funding, and applicable laws and regulations; relies on experience and judgment to plan and accomplish goals.

  • 35 years' experience in outside sales and relationship business development.

  • 35 years' experience in reviewing and understanding business and personal financial information and tax returns.

  • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or can be of a personal or sensitive nature. Work may involve motivating or influencing others.

  • Outside contacts are essential, as is fostering sound relationships with other entities (companies and/or individuals).

  • Must be a selfstarter, with a strong drive to succeed and continually reach new goals.

  • Must have extensive experience in commercial real estate lending.

  • Must be a team player who can operate both within a group and independently with minimal supervision.

  • Make effective group and individual sales presentations.

  • Full knowledge of credit union products and services in to order crosssell business and personal financial products and services.

  • Intermediate or above level of experience with Microsoft Word, Excel, Outlook and PowerPoint.

Do you want to be valued as an employee?

  • Employees are Meriwest's most valuable resource. We provide competitive wages and a supportive environment that promotes career advancement. We also offer an excellent, fully comprehensive benefits program, including:

  • Medical/Dental/Vision on the first day of employment for full-time employees

  • Free Long Term Care Insurance for employees

  • Education Assistance

  • Pension Plan/401K

  • Bonus and incentive potential

  • Generous Paid Time Off (PTO)/Holiday program

  • Career growth support and planning programs

  • In-house fitness center

  • Discounts on new Mortgage after 6 months of employment

We are an EOE. All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of disability or veteran status.

To apply please email

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Commercial Real Estate Relationship Manager - San Jose

Meriwest Credit Union