City First Bank
City First Bank N.A. is a mission‑driven Community Development Financial Institution (CDFI) focused on transformative impact in underserved, urban markets. The Relationship Manager (RM) is responsible for soliciting new business and managing customer relationships of small businesses and not‑for‑profit organizations, including loans for working capital, expansion, and non‑residential real‑estate acquisition or renovation. The RM also manages relationships with the bank’s commercial real‑estate customers, including office, retail, industrial, and land development projects.
ROLE SUMMARY The RM will develop new client relationships, strengthen existing relationships, increase profitability, and enhance the bank’s reputation. The RM is responsible for all phases of loan and deposit production, lead generation, closing, and relationship management, and will present loans for approval to the Mangers’ Loan Committee and Directors’ Loan Committee.
ESSENTIAL FUNCTIONS AND RESPONSIBILITIES
Develop new and expand existing commercial loan and deposit relationships through targeted calling and community relations work.
Cross‑sell other bank services in accordance with risk and return parameters.
Maintain a targeted calling program focused on expanding current business and attracting new business, and support the ECRE with status reports.
Research and establish target markets, mine the existing portfolio, and increase wallet share.
Provide joint calls, training, and shared market intelligence to other RMs, senior management, and credit staff.
Recommend new products and services to generate fee, contract, and services revenue, including traditional and non‑traditional community development services.
Establish relationships with industry influencers, community and strategic partners, and participate in local business and community organizations.
Attend promotional events, trade shows, business seminars, and receptions to increase the customer base and retain existing customers.
Support the ECRE in providing best‑in‑class ongoing services to existing customers, including follow‑up on annual reviews and timely renewal or resolution of expiring loans.
Account for a loan portfolio consistent with the bank’s credit policies and underwriting guidelines, ensuring proper documentation, risk ratings, and recovery processes.
Adhere to bank policies, procedures, laws, regulations, and internal compliance guidelines.
EDUCATION & EXPERIENCE
Bachelor’s Degree in finance, accounting, or business, or 3+ years of experience in commercial credit analysis and underwriting.
3+ years of portfolio management and commercial underwriting experience.
3+ years of proven sales record in meeting or exceeding goals in commercial lending.
Formal or in‑house credit training (counts toward one year of experience).
Preferred: supervision of a team or leadership role.
KNOWLEDGE, SKILLS, AND ABILITIES
Proven sales and business development skills.
Excellent oral, written, and interpersonal communication skills.
Knowledge and training in all lending activities, including commercial and commercial real‑estate loan processing.
Understanding of state and federal lending and compliance regulations.
Ability to analyze complex problems, work independently, and maintain a fast pace.
Strong organizational, time‑management, and leadership skills.
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ROLE SUMMARY The RM will develop new client relationships, strengthen existing relationships, increase profitability, and enhance the bank’s reputation. The RM is responsible for all phases of loan and deposit production, lead generation, closing, and relationship management, and will present loans for approval to the Mangers’ Loan Committee and Directors’ Loan Committee.
ESSENTIAL FUNCTIONS AND RESPONSIBILITIES
Develop new and expand existing commercial loan and deposit relationships through targeted calling and community relations work.
Cross‑sell other bank services in accordance with risk and return parameters.
Maintain a targeted calling program focused on expanding current business and attracting new business, and support the ECRE with status reports.
Research and establish target markets, mine the existing portfolio, and increase wallet share.
Provide joint calls, training, and shared market intelligence to other RMs, senior management, and credit staff.
Recommend new products and services to generate fee, contract, and services revenue, including traditional and non‑traditional community development services.
Establish relationships with industry influencers, community and strategic partners, and participate in local business and community organizations.
Attend promotional events, trade shows, business seminars, and receptions to increase the customer base and retain existing customers.
Support the ECRE in providing best‑in‑class ongoing services to existing customers, including follow‑up on annual reviews and timely renewal or resolution of expiring loans.
Account for a loan portfolio consistent with the bank’s credit policies and underwriting guidelines, ensuring proper documentation, risk ratings, and recovery processes.
Adhere to bank policies, procedures, laws, regulations, and internal compliance guidelines.
EDUCATION & EXPERIENCE
Bachelor’s Degree in finance, accounting, or business, or 3+ years of experience in commercial credit analysis and underwriting.
3+ years of portfolio management and commercial underwriting experience.
3+ years of proven sales record in meeting or exceeding goals in commercial lending.
Formal or in‑house credit training (counts toward one year of experience).
Preferred: supervision of a team or leadership role.
KNOWLEDGE, SKILLS, AND ABILITIES
Proven sales and business development skills.
Excellent oral, written, and interpersonal communication skills.
Knowledge and training in all lending activities, including commercial and commercial real‑estate loan processing.
Understanding of state and federal lending and compliance regulations.
Ability to analyze complex problems, work independently, and maintain a fast pace.
Strong organizational, time‑management, and leadership skills.
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