Commercial Relationship Officer

Company: FFB Bank
Location: Fresno
Posted on: February 22, 2025

Job Description:

Who We Are:FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.
What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.
If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!
Recent Achievements Speak Louder Than Words:

• 2024 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets
• 2023 - American Banker - "Top 5" Community Bank in the Country #4
• 2023 - OTCQX - Best 50 Companies #3
• 2023 - 5-star Rating Bauer FinancialWhat You Should Expect While Working at FFB:
  • Company ownership through our Employee Stock Ownership Program (ESOP)
  • A friendly, close-Knit work culture that encourages growth
  • Opportunities to Participate in Community Networking Events
  • Benefits Packageo Medical/Dental/Visiono Life Insuranceo Paid Vacationo 401(k) Retirement Plano Training & Developmento Tuition Reimbursemento Employee Assistance Programo Internal Job Posting & Referral Program
    Ideal Candidate:FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways:
    • Teamwork - We collaborate, hold each other accountable, and win together.
    • Relationship - We are trustworthy, transparent, and respectful.
    • Authentic - We are humble, vulnerable, and we speak up.
    • Commitment - We are owners...Be hungry, responsive, and have a sense of urgency.About the Position:The Commercial Relationship Officer is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial building and business loans in compliance with the Bank's lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
      Essential Duties:
      • Engages in business development activities and solicitation of new business; actively involved in the sales environment.
      • Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
      • 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; meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions.
      • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
      • Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
      • Ensures that certification or deletion of collateral is made by the appropriate personnel.
      • Negotiates, underwrites, and processes renewals of credit facilities.
      • Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
      • Authorizes commitment, engagement, auction, and decline letters.
      • Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget.
      • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
      • Verifies funds with mortgage companies and contractors.
      • 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 and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
      • Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
      • Provides deposit and loan account ratings.
      • Cross sells the Bank's other products and services, referring customers to appropriate staff as indicated.
      • Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
      • Directly responsible in meeting annual deposit and loan growth goals assigned by Senior Management.
      • Provides leadership and training to less experienced loan officers and other staff members.
      • Participates with Senior Management with developing, analyzing, and finalizing major and complex loan agreements with representatives of large businesses; participates in various internal committees assigned by Senior Management.
      • Responds to inquiries or refers inquiries to the appropriate department or person and exhibiting the necessary follow through with customers and/or staff involved.
      • Consistently applies superior decision-making techniques pertaining to inquiries, approvals, and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
      • Assumes responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel.
      • Plays a positive role in the development and growth of assigned branch staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff.
      • Processes, solves and answers complex customer transactions, problems or inquiries.
      • Operates computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority.
      • Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
      • Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
      • Follows policies and procedures; complete administrative tasks correctly and on time, including mandatory Bank Compliance Training; supports the Bank's goals and values; benefits the bank through outside activities.
      • Treats people with respect; keeps commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.
        
        
        • Bachelor's degree (BA) or equivalent from an accredited college or university; 5 years related experience and/or training; or the equivalent combination of education and experience. Work-related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, should be business or financial industry related.
        • Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
        • Mastered experience, knowledge and training in all lending activities and terminology.
        • Mastered knowledge of commercial, construction, real estate and consumer loan processing.
        • Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
        • Proven ability to develop marketing and business development skills with customers.
        • Intermediate knowledge of branch operation procedures, Bank products and services.
        • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
        • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet, and specialty software programs.
        • Intermediate typing skills to meet production needs of the position.
        • Advanced math skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
        • Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence, and procedures, speak clearly to customers and employees.
        • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
        • Ability to work with no supervision while performing duties.
        • Current California driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
          
          Compensation details: 100000-180000 Yearly Salary
          
          
          
          PI5fcc549fdc8c-37248-36994118

Keywords: FFB Bank, Fresno , Commercial Relationship Officer, Accounting, Auditing , Fresno, California