Fresno First Bank logo

Commercial Relationship Manager I-III

Modesto, CA, USA|Travel, Onsite

Job Overview

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Employment Type

Full-time
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Compensation

Salary
Range $100,000.00 - $150,000.00
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Work Schedule

Standard Hours
Flexible
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Benefits

Medical insurance
Dental Insurance
Vision Insurance
Life insurance
Paid vacation
401(k) retirement plan
Training and development opportunities
Tuition Reimbursement
Employee assistance program
Internal job postings
Referral program

Job Description

FFB Bank, established in 2005, is recognized as a top-performing community bank dedicated to empowering businesses, professionals, and individuals to achieve their financial goals. This bank prioritizes personalized service and offers flexible financial solutions tailored to its client needs. FFB provides an extensive range of banking services including business and personal accounts, specialized lending options, and modern payment solutions. As a community bank, it emphasizes building lasting relationships with its clients and focuses on fostering local economic growth by supporting small to medium-sized enterprises and individual clients with dependable banking products. The culture at FFB Bank is deeply rooted in collaboration, respect, and employee empowerment, making it not only a place for career advancement but also a community where employees are considered the greatest asset. The bank supports employee ownership through its ESOP program, encourages participation in community and networking events, and fosters a close-knit, supportive work environment. Employees at FFB enjoy numerous benefits such as medical, dental, vision coverage, life insurance, paid vacation, a 401(k) retirement plan, continuing education support including tuition reimbursement, and development opportunities through training programs. The bank operates with strong ethics and a commitment to inclusivity, ensuring a respectful and diverse workplace. At the core, FFB lives by its TRAC values - Teamwork, Relationship, Authenticity, and Commitment - which guide the daily interactions, decision-making, and overall corporate culture.

The role of Commercial Relationship Manager (CRM) I-III at FFB Bank is a dynamic and pivotal position responsible for driving the bank’s commercial lending portfolio. CRMs play a crucial role in soliciting, negotiating, underwriting, and coordinating loan closings for equipment, commercial real estate, and business loans, ensuring all activities comply with banking policies and regulations. Depending on experience and seniority, the CRM may handle various responsibilities ranging from supporting lending activities to independently managing loan portfolios and leading complex commercial transactions. This role requires building and nurturing strong client relationships focused on business checking, deposit, and lending services while promoting FFB’s products through internal and external referrals. The CRM acts as a trusted advisor, collaborating closely with clients to understand their financial needs and providing tailored solutions that foster long-term growth and credit quality. The position requires proactive business development techniques including outbound lead generation, networking, and maintaining an active pipeline using CRM systems. The CRM is intricately involved in assessing financial conditions, risk evaluation, negotiating loan terms, and coordinating loan processing to ensure fulfillment of agreements in accordance with bank procedures. Responsibilities extend to the continuous monitoring of portfolios, ensuring accurate loan disbursement, conducting credit inquiries, and legal follow-ups on workouts and charge-offs. The role also involves community engagement to enhance the bank’s market position and requires up to 75% travel for client meetings and industry events. Compensation for this role ranges from $100,000 to $150,000 annually, with additional opportunities to earn performance-based incentives through participation in various incentive plans. Candidates for this role must embody the TRAC values and demonstrate a commitment to professional and ethical standards, continuous learning, and teamwork. This is a challenging but rewarding career path for motivated individuals who thrive in a client-focused, collaborative, and evolving financial services environment.

Job Requirements

  • Bachelor’s degree from an accredited college or university preferred
  • minimum 5 years of related experience in banking, financial services, or relevant industry required
  • proficiency with Microsoft Office Suite (Excel, Word, Outlook) required
  • experienced in growing marketing and business development expertise through direct customer engagement
  • advanced math skills including calculating interest, commissions, proportions and percentages
  • demonstrated ability to cross-sell and explain products and services confidently
  • knowledge of commercial banking products and federal compliance regulations
  • ability to initiate and effect change through negotiation and conflict resolution
  • effective communication skills including oral, written, interpersonal
  • strong organizational and time management skills
  • proficient teamwork and relationship skills
  • willingness to take on special projects and other duties
  • commitment to continuous learning
  • ability to maintain authenticity and integrity
  • capacity to manage multiple priorities
  • ability to work independently and in teams
  • proven adaptability to changing priorities
  • current driver’s license and vehicle with insurance if driving is required

Job Qualifications

  • Bachelor’s degree from an accredited college or university preferred
  • minimum 5 years of related experience in banking, financial services, or relevant industry required
  • proficiency with Microsoft Office Suite (Excel, Word, Outlook) required
  • experienced in growing marketing and business development expertise through direct customer engagement
  • advanced math skills
  • demonstrated ability to cross-sell and explain all products and services
  • knowledge of commercial banking products and services and federal compliance regulations
  • ability to take initiative and effect change through consensus building, negotiation, and conflict resolution
  • effective oral, written, and interpersonal communication skills
  • strong organizational and time management abilities
  • proficient teamwork and relationship skills
  • commitment to continuous learning and professional development
  • ability to maintain authenticity and integrity in professional interactions
  • capable of managing multiple priorities and meeting deadlines
  • ability to work independently and as part of a team
  • proven ability to adapt to changing priorities and procedures
  • current driver’s license and vehicle with insurance if driving is required

Job Duties

  • Generates new leads through outbound calls, emails, networking, and in-person meetings
  • builds and maintains strong relationships with prospective and existing clients to drive long-term business opportunities
  • uses CRM systems to track interactions, update customer records, and manage pipeline activity
  • interviews prospective applicants and requests specified information related to loan or credit application
  • performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends
  • gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval
  • coordinates processing of approved loans
  • negotiates, underwrites, and processes renewals of credit facilities
  • approves loan payments, draws from lines of credit, and fund transfers within specified limits
  • contributes to the overall profitability of the branch and region
  • develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition
  • represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image
  • reviews NSF and overdraft reports
  • provides deposit and loan account ratings
  • updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs
  • provides leadership and training to less experienced loan officers and other staff members
  • embodies the TRAC Values (Teamwork, Relationship, Authenticity, Commitment) as core principles
  • completes administrative tasks with urgency
  • ensures adherence to Bank policies, procedures, and applicable laws
  • performs duties involving office and physical activities
  • travels up to 75% including client locations, sales presentations, and training sessions

Job Criteria

Experience

Mid Level (3-7 years)


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