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City First Bank - Washington, DC
posted 3 days ago
About the position
City First Bank N.A. is a mission-driven Community Development Financial Institution (CDFI) focused on transformative impact in underserved urban markets. The Relationship Manager (RM) is responsible for soliciting new business and managing customer relationships of small businesses and not-for-profit organizations. This includes loans for working capital, expansion, and acquisition or renovation of nonresidential owner-occupied real estate. The RM also manages relationships with the bank's commercial real estate customers, including office, retail, and industrial properties. The position reports to the Commercial Banking Team Leader and involves all phases of loan and deposit production, including lead generation, closing, and relationship management. The RM is accountable for the credit quality of their relationships and must adhere to the bank's policies and procedures.
Responsibilities
- Develop new and expand existing commercial loan and deposit relationships through targeted calling and community relations work.
- Maintain a targeted calling program focused on expanding current business and attracting new business to the Bank.
- Develop and deliver status reports to the CLO and management staff on a regular basis.
- Research and establish target markets and mine existing portfolio to better understand current product/services used.
- Provide support to the CLO, other RMs, senior management, and the Credit staff through joint calls, training, and shared market intelligence.
- Recommend new products and services to generate fee, contract, and services revenue.
- Establish and maintain relationships with industry influencers and key community and strategic partners.
- Attend various promotional events to increase the overall customer base and retain existing customers.
- Support the CLO in providing ongoing services to existing customers.
- Accountable for a loan portfolio consistent with the Bank's credit policies and underwriting guidelines.
- Review loan write-ups to ensure consistent presentation of information and monitor risk ratings.
- Respond quickly to correct regulatory, audit, and compliance deficiencies.
Requirements
- Bachelor's Degree in finance, accounting, or business required or 3 additional years of experience in commercial credit analysis and commercial underwriting.
- 3+ years of portfolio management and commercial underwriting experience.
- 3+ years of proven sales record in meeting or exceeding goals in commercial lending.
- Formal or in-house credit training counts toward one year of experience.
Nice-to-haves
- Supervision of a team or in a leadership role.
