Job Description

Commercial Relationship Manager
Full-Time | Location: San Diego

We are seeking an experienced Commercial Relationship Manager to develop and manage a portfolio of commercial clients within a defined geographic territory. This individual will serve as a trusted advisor to clients, offering tailored deposit, lending, and treasury management solutions. The ideal candidate thrives in a business development environment, understands complex commercial credit, and brings a consultative approach to client relationships. This role requires a high degree of independence, professionalism, and a strong track record in both CRE and C&I lending.

Key Responsibilities

• Develop and maintain commercial banking relationships with an emphasis on business development and client retention.

• Analyze, structure, and underwrite complex commercial real estate and business loans, including construction and participation loans.

• Ensure credit requests are in line with internal policies and risk standards while delivering profitable growth.

• Prepare and present detailed credit memorandums with complete financial, industry, and guarantor analysis.

• Actively participate in the credit process, including credit analysis, documentation review, and portfolio monitoring.

• Collaborate with internal partners to identify cross-sell opportunities across banking products and services.

• Serve as a referral source and connector for clients across other service lines.

• Stay informed on industry trends, product updates, and regulatory changes.

• Monitor and assist with resolution of credit issues and delinquencies.

• Ensure compliance with internal policies, risk ratings, and documentation standards.

Qualifications

• Bachelor’s degree in Accounting, Finance, or related field.

• 3–5 years of experience in commercial banking, credit analysis, or underwriting.

• Proven experience with both C&I and commercial real estate lending.

• Strong credit skills and knowledge of financial spreading software (e.g., CASH, FAST, or similar).

• Excellent communication, relationship management, and organizational skills.

• Ability to work independently while collaborating across teams.

• Proficient in Microsoft Office Suite and banking systems.

Work Environment & Physical Demands

This position involves extended periods of sitting, working at a computer, and interacting with clients and internal teams. Occasional travel within the assigned region may be required. Reasonable accommodations will be made for individuals with disabilities.

Equal Opportunity Employer
We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals are encouraged to apply regardless of race, gender, veteran status, or disability status.