City National Bank

Provides banking, investment, and trust services

Senior Relationship Manager

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeLong Beach, CA, USAIn-person

About the Job

Requirements

A bachelor's degree or equivalent is required.
A minimum of five years of lending experience is required.
A minimum of five years of credit experience is required.
Good understanding of products and services applicable to the target client segment.
Good knowledge of commercial credit policies and procedures and bank operations policies and procedures.
Demonstrated sales and marketing abilities, including cross-selling skills.
Good credit analysis and accounting skills.
Ability to work autonomously, make sound business decisions, and exercise authority appropriate to experience and responsibility.
Ability to work independently and in teams.
Strong interpersonal, verbal, and written communication skills.
Superior client relationship skills.
General knowledge of bank credit products and underwriting standards to identify client credit opportunities and initiate credit transactions.

Responsibilities

Develop and manage relationships with commercial clients in assigned business segments or geographic areas, present product solutions, provide responsive service, approve transactions within delegated authority, and manage relationship profitability and portfolio risk to achieve profitable portfolio growth.
Identify, develop, and build profitable relationships with prospects and customers consistent with bank objectives.
Work actively with customers and develop prospects consistent with the bank's credit culture, identifying and addressing credit quality concerns.
Develop relationships and support other bank departments and colleagues in delivering recommended solutions to customers and prospects; participate in internal and external community activities as a bank representative.
Prepare relationship plans and calling schedules for each client or prospect in conjunction with the strategic business development program; identify business opportunities and solicit referrals for bank products and services from customers, referral sources, and industry professionals.
Develop an understanding of each client's company, industry, business, and needs to support customer calling efforts, and set relationship objectives such as revenue contribution.
Call on existing and prospective clients to promote bank products and services and establish total client banking relationships; discuss financing opportunities and business conditions, assist in forecasting credit needs, develop financial solutions, and involve product specialists as needed.
Negotiate transactions; price loan products within targeted rates of return; document and close loan transactions; ensure compliance with bank policy and regulatory requirements; exercise sound credit and risk judgment; recommend approval for transactions exceeding delegated authority; and ensure the quality of business introduced to the bank.
Represent the bank in civic and community affairs, business and industry organizations, and other appropriate professional activities.
Coordinate with other bank departments, define responsibilities and objectives for product areas within relationships or transactions, and resolve client needs and internal issues.
Monitor and analyze relationship results and account activities, determine client profitability, recommend accounts for further development or elimination, and prepare management reports.
Monitor portfolio quality, risk, and policy adherence, working with appropriate staff departments to resolve issues.
Maintain awareness of competitive products, practices, rates, and changes in market conditions.
Analyze problem credits and meet with clients to develop solutions that minimize loss exposure.
Serve as a product specialist and technical consultant to clients and relationship managers in various business segments and geographic locations, as needed.
Manage portfolios containing numerous accounts and apply operational expertise to match workflow to client needs, control risk, and maximize cross-selling potential.

SENIOR RELATIONSHIP MANAGER

WHAT IS THE OPPORTUNITY?

Develops and manages relationships with commercial clients in the assigned business segment and/or geographic areas. Presents a variety of product solutions to client needs. Provides responsive, quality service. Approves transactions within delegated authority. Manages overall relationship profitability and portfolio risk and is responsible for profitable growth of the portfolio assigned. This may be accomplished through active calling efforts and referrals from existing customers, providing the CNB exemplary level of service, identifying and promoting solutions to customer needs, and maintaining an active calling program.

WHAT WILL YOU DO?

Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank.
Actively works with customers and develops prospects consistent with the credit culture of the bank. Is pro-actively identifying and working with customers to ensure the credit quality standards of the bank.
Develops relationships and support other CNB departments and colleagues to provided customers and prospects the solutions recommended. Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.
Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry. Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts. Sets objectives for each relationship in terms of revenue contribution, etc.
Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgement in approving transactions. Recommends approval when transaction size exceeds authority limits. Ensures the quality of all business introduced to the Bank.
Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
Interfaces with other Bank departments as necessary. Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction. Resolves all client needs and any internal issues.
Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.
Monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.
Maintains awareness of competitive products, practices, rates and changes in market conditions.
Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential

WHAT DO YOU NEED TO SUCCEED?

Required Qualifications*

Bachelor's Degree or equivalent
Minimum 5 years of lending experience required.
Minimum 5 years of credit experience required

Additional Qualifications

Good understanding of all products and services applicable to target client segment.
Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures.
Demonstrated sales and marketing abilities.
Good credit analysis and accounting skills.
Capable of working well independently and in teams.
Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility.
Strong interpersonal, verbal, and written communication skills.
Strong demonstrated sales and marketing abilities including cross selling skills.
Superior client relationship skills.
Good understanding of commercial credit policies and procedures.
General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction.
Sound credit analysis and accounting skills.
Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility.
Must be capable of working well independently and in teams.
Strong interpersonal, verbal, and written communication skills.

WHAT'S IN IT FOR YOU?

Compensation

Starting base salary: $122,535 - $208,715 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

Benefits and Perks

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our Benefits and Perks.

ABOUT US

Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.

INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT

City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.

Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

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About the Company

City National Bank

Provides banking, investment, and trust services

City National Bank provides personalized banking, investment and trust services to individuals and businesses, with $93 billion in assets and $106 billion in client assets under management or administration. It offers traditional banking, wealth management and fiduciary services through branches and private banking relationships across markets in California, New York, Tennessee, Georgia, Delaware, Nevada, Washington, D.C., and Miami (as CN Bank). The bank distinguishes itself with a strong local footprint, close integration with its parent Royal Bank of Canada, and a history of community giving, including nearly $10 million donated in 2024. Its goal is to help clients grow and protect their wealth while supporting the communities it serves and expanding its market reach through trusted advisory services.

Company size: 5,001-10,000
Company stage: IPO
Headquarters: Los Angeles, CA
Founded: 1953

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