Relationship Manager 2
$129,584–$240,656 year
On-siteNewport Beach, California, United States
Newport Beach, California, United StatesOn-siteFull Time$129,584–$240,656 yearMedium
Full TimeMedium
Job Summary
Originate new Commercial Real Estate lending relationships through proactive networking and center of influence cultivation, leading client discovery, credit analysis, and loan structuring for transactions up to $250,000. Independently manage assigned CRE portfolios by monitoring performance, assessing covenant compliance, and executing refinances or restructures while maintaining complete credit files. Partner with internal teams to capture core operating deposits and treasury services aligned with lending relationships, ensuring full lifecycle ownership from initial contact to closing execution.
Required Qualifications
- 10+ years of experience in Commercial Real Estate (CRE) lending, including origination support and portfolio management
- Working knowledge of CRE product types, including Bridge, Permanent (Perm), and Lines of Credit
- Experience originating typical transaction sizes in the $2MM–$15MM range or demonstrated ability to originate transactions of similar scope and complexity
- Strong understanding of core CRE property types, including Industrial, Retail, Office, and Multifamily
- Demonstrated credit competency sufficient to discuss DSCR, LTV, guarantor analysis, covenant structures, and recourse/non-recourse considerations
- Underwriting experience with the ability to independently identify and assess key risks related to sponsor strength, market conditions, tenancy, cash flow, and collateral quality
- Local market knowledge of Orange County and Los Angeles CRE dynamics
- Demonstrated ability to independently originate new credit and develop client relationships through proactive networking, community involvement, and cultivation of centers of influence (COIs)
- Regulation CC (Availability of Funds)
- Regulation DD (Truth in Savings)
- Regulation E (Electronic Fund Transfers)
- Regulation B (Equal Credit Opportunity Act – ECOA)
- Regulation BB (Community Reinvestment Act – CRA)
- Regulation X (Real Estate Settlement Procedures Act – RESPA)
- Regulation Z (Truth in Lending Act – TILA)
- Bank Secrecy Act (BSA) / Anti-Money Laundering (AML)
- Fair Credit Reporting Act (FCRA)
- Privacy and data protection laws
- FDIC deposit insurance requirements
- Uniform Commercial Code (UCC)
- Deposit products and account services
- Loan products, with emphasis on Commercial Real Estate (CRE) lending
- Loan documentation and credit file requirements
- General bank operations and servicing processes
- Proven business development and relationship-building skills, supported by an established and active COI network
- Strong credit judgment and underwriting discipline, with the ability to identify, assess, and mitigate risk
- Excellent written and verbal communication skills, including the ability to clearly articulate credit metrics, transaction structure, and risk rationale
- Strong time-management and organizational skills, with the ability to manage multiple transactions and competing priorities concurrently
- Demonstrated critical thinking, sound judgment, and problem-solving capabilities
- Ability to actively listen, learn, and communicate effectively with both clients and internal partners
- Demonstrated ability and willingness to collaborate in a team-oriented environment and contribute to collective objectives
- Experience in a bank lending environment with direct exposure to credit committee and approval processes
- Demonstrated ability to draft, present, and defend credit memoranda, and to communicate transaction rationale effectively to senior credit stakeholders
- Experience across both loan originations and portfolio management, providing full lifecycle relationship ownership
- Must be able to travel to various Bank locations as required
- Ability to lift, carry, or move objects weighing up to 25 pounds, with or without reasonable accommodation
- Minimum 10+ years of Commercial Real Estate (CRE) lending experience, with a strong emphasis on new originations, underwriting, and credit portfolio management
- Demonstrated experience originating CRE loans in the $2MM–$25MM range across Industrial, Retail, Office, and Hospitality property types, including construction, bridge, permanent, and line-credit structures
- Two (2) Consecutive Weeks
Desired Qualifications
- Bachelor's degree in Business, Accounting, Finance, or a related discipline preferred, but not required
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