SVP/Relationship Manager
About the role
Job Code: HBC 25-21 Job Summary The SVP/Relationship Manager primary responsibilities include examining, evaluating, and authorizing or recommending approval of client applications for a myriad of bank products, including commercial lines of credit, commercial term loans, commercial leases, letters of credit, real estate loans and flat notes, by performing the following duties. Responsible for attracting and retaining loan and deposit relationships for Heritage Bank of Commerce.
Pay Range Base Compensation is dependent upon role, experience, and skill set: Min- $143,798/yr Max- $239,663/yr
Primary Responsibilities
- Attract new loan and deposit relationships through a combination of cold calling, personal networking and attending various social/business events in the community.
- Requests specified financial information for loan application.
- Act as Bank representative at civic and/or industry meetings or functions.
- Analyzes applicant’s financial status, credit, and property evaluation to determine feasibility of granting loan.
- Interviews applicant to obtain corporate history and to resolve questions regarding application information.
- Maintains delinquencies and classified loans at a minimum.
- Negotiates structure and pricing of credit facilities
- Presents credits for approval
- Maintains and services existing portfolio.
- Ensures loan agreements are complete and accurate according to policy.
- Analyzes potential markets to develop prospects for loans and deposits.
- Monitors borrowers' financial condition for compliance with loan covenants.
- Perform all other duties and special projects as assigned
Qualifications
- Master's degree (M.A.) or five to ten years related experience or Bachelor's degree (B. A.) from a four-year college or university and two to four years related experience.
- Masterful at relationship building and business development with strong influential and decision making skills
- Demonstrated business acumen with knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services
- Excellent communication skills with all levels of external and internal clients
- Proven time management and problem solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast paced environment
- Demonstrates initiative and the ability to work in an autonomous manner
- Travel may be required
Compliance Responsibilities The employee is responsible for ensuring compliance with all aspects of job related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials.
Job related laws and regulations include, but are not limited to the following: Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.
Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate on the basis of race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, Veteran status, or any other characteristic protected by Federal, state or local laws.
JOB CODE: HBC 25-21
About Heritage Bank of Commerce
The Future Needs a Heritage Heritage Bank of Commerce, founded in 1994, is a community business bank headquartered in San Jose. For over 30 years, HBC has provided a consultative relationship banking approach with clients, offering valuable services to help them achieve their long-term business goals. The Bank combines the classic values of relationship-based, customer-focused community banking, with a forward-looking, strategic approach. Our solution-driven team of experienced, dedicated and innovative bankers, partner with you to find a custom solution that fits your business needs. Our large spectrum of credit and loan products spans from factoring to open lines of credits, cash management solutions to support and leverage your business cash flow, as well as a dedicated HOA Specialty Banking department servicing the HOA community with the latest in banking technology.
Bank Focused on People Working with People With over 800 Non-profit organizations spanning a wide variety of industries, we know the intricacy of banking for non-profits. At HBC, we take a strong consultative approach empowering you to make meaningful business decisions that will allow you to have a strong impact in your community.
As a conservative three plus billion dollar, publicly traded, 5-Star Bauer Financial rated, FDIC insured bank we check all the traditional boxes for a financial institution. But community banking is much more. HBC is involved on a deeper level with industry, business and community leaders, and is able to leverage this network successfully for our client’s business goals. As part of our mission to give back, our relationship managers are required to be active in their community. They serve on boards, are deeply involved with their local business organizations and chambers, and are taking active roles in shaping their business areas.
Member FDIC | Equal Housing Lender | NMLS ID# 486849
SVP/Relationship Manager
About the role
Job Code: HBC 25-21 Job Summary The SVP/Relationship Manager primary responsibilities include examining, evaluating, and authorizing or recommending approval of client applications for a myriad of bank products, including commercial lines of credit, commercial term loans, commercial leases, letters of credit, real estate loans and flat notes, by performing the following duties. Responsible for attracting and retaining loan and deposit relationships for Heritage Bank of Commerce.
Pay Range Base Compensation is dependent upon role, experience, and skill set: Min- $143,798/yr Max- $239,663/yr
Primary Responsibilities
- Attract new loan and deposit relationships through a combination of cold calling, personal networking and attending various social/business events in the community.
- Requests specified financial information for loan application.
- Act as Bank representative at civic and/or industry meetings or functions.
- Analyzes applicant’s financial status, credit, and property evaluation to determine feasibility of granting loan.
- Interviews applicant to obtain corporate history and to resolve questions regarding application information.
- Maintains delinquencies and classified loans at a minimum.
- Negotiates structure and pricing of credit facilities
- Presents credits for approval
- Maintains and services existing portfolio.
- Ensures loan agreements are complete and accurate according to policy.
- Analyzes potential markets to develop prospects for loans and deposits.
- Monitors borrowers' financial condition for compliance with loan covenants.
- Perform all other duties and special projects as assigned
Qualifications
- Master's degree (M.A.) or five to ten years related experience or Bachelor's degree (B. A.) from a four-year college or university and two to four years related experience.
- Masterful at relationship building and business development with strong influential and decision making skills
- Demonstrated business acumen with knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services
- Excellent communication skills with all levels of external and internal clients
- Proven time management and problem solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast paced environment
- Demonstrates initiative and the ability to work in an autonomous manner
- Travel may be required
Compliance Responsibilities The employee is responsible for ensuring compliance with all aspects of job related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials.
Job related laws and regulations include, but are not limited to the following: Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.
Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate on the basis of race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, Veteran status, or any other characteristic protected by Federal, state or local laws.
JOB CODE: HBC 25-21
About Heritage Bank of Commerce
The Future Needs a Heritage Heritage Bank of Commerce, founded in 1994, is a community business bank headquartered in San Jose. For over 30 years, HBC has provided a consultative relationship banking approach with clients, offering valuable services to help them achieve their long-term business goals. The Bank combines the classic values of relationship-based, customer-focused community banking, with a forward-looking, strategic approach. Our solution-driven team of experienced, dedicated and innovative bankers, partner with you to find a custom solution that fits your business needs. Our large spectrum of credit and loan products spans from factoring to open lines of credits, cash management solutions to support and leverage your business cash flow, as well as a dedicated HOA Specialty Banking department servicing the HOA community with the latest in banking technology.
Bank Focused on People Working with People With over 800 Non-profit organizations spanning a wide variety of industries, we know the intricacy of banking for non-profits. At HBC, we take a strong consultative approach empowering you to make meaningful business decisions that will allow you to have a strong impact in your community.
As a conservative three plus billion dollar, publicly traded, 5-Star Bauer Financial rated, FDIC insured bank we check all the traditional boxes for a financial institution. But community banking is much more. HBC is involved on a deeper level with industry, business and community leaders, and is able to leverage this network successfully for our client’s business goals. As part of our mission to give back, our relationship managers are required to be active in their community. They serve on boards, are deeply involved with their local business organizations and chambers, and are taking active roles in shaping their business areas.
Member FDIC | Equal Housing Lender | NMLS ID# 486849