Small Business Relationship Manager - Concord
$97,560–$119,240 year
On-siteConcord, California, United States
Job Summary
Prospect for new small business clients and deepen existing relationships to drive year-over-year revenue growth, loan production, deposits, and broader relationship value. Conduct discovery conversations to understand each client's business, goals, financial needs, credit profile, and growth opportunities. Serve as the primary point of contact for small business clients and recommend appropriate solutions across loans, deposits, cash management, and other core banking products. Design and structure financial solutions aligned to client objectives, credit standards, portfolio quality expectations, and responsible banking practices. Manage portfolio performance and credit quality by monitoring market trends, identifying developing risk indicators, and applying sound underwriting judgment. Partner with underwriting, portfolio management, and internal teams to support timely reporting, responsive portfolio management, and effective client outcomes. Address client concerns and coordinate across business lines, engaging additional specialists as needed to deliver integrated solutions. Build relationships in the community, engage with local organizations, and identify business development opportunities that increase visibility and support community impact.
Required Qualifications
- Expert-level consultative selling, financial analysis, and relationship management skills
- Advanced business acumen, underwriting expertise, and product knowledge
- Strong understanding of banking operations, sales, new business development, customer service and relations, and community relations
- Professionalism and strong working knowledge of applicable lending policies, credit structures, products, services, and regulatory requirements
- Bachelor's degree or equivalent work experience
- Three to four years of experience in relationship banking
- National Mortgage Licensing Service (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z
- Ongoing compliance with all legal and regulatory registration requirements, such as maintaining a satisfactory criminal and credit record
- Active participation in required corporate and business line training in compliance areas
- Understanding of internal suspicious activity referral requirements and processes
- Ability to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct
- Ability to comply with applicable local laws regarding background checks (Los Angeles County Fair Chance Ordinance, California Fair Chance Act, San Francisco Fair Chance Ordinance)
- Ability to comply with Section 19 of the Federal Deposit Insurance Act (FDIA)
- Ability to comply with FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement
- Ability to comply with ethics, safety, or operational procedures
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