Senior Lead Commercial Banking Relationship Manager ne and Beverage Vertical
Company: Bank of the West / Subsidiary of BNPP
Location: Napa, CA or San Francisco, CA
Reports to: Managing Director, Head of Wine and Beverage Vertical
Our Brand
At Bank of the West the customer is at the core of everything we do, and we take a real and human approach to banking. Our brand is reflective of modern Western values: open, straightforward, entrepreneurial, optimistic and innovative. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity.
Bank of the West is a fast-growth, super-regional bank owned by BNP Paribas (BNPP), a top 6 global financial services institution with $2.5 trillion in assets and offices in 80 countries. We are a strong, well-capitalized and prudently managed FDIC-insured bank. Through holding BancWest Corporation, the bank is a subsidiary of BNP Paribas, one of the six highest rated banks globally. Diverse business lines include Commercial Banking, Consumer Banking, and Wealth.
Our Commercial Banking Group (CBG) meets the rapidly changing needs of growing businesses. With BNP Paribas as our parent, CBG has the advantage of being big and small, global and local concurrently. The Commercial Banking Group offers highly responsive, personalized service delivered by local bankers with close ties to their communities, who are backed by the resources and reach of one of the world's largest and strongest financial groups.
Job Description Summary
The Senior Lead Commercial Banking Relationship Manager ne and Beverage Vertical will be located in either Napa, California or San Francisco, California, and will call on Wine and Beverage clients across the Western United States. Current experience calling on clients in Wine and Beverage is required. Our Target Clientsvenues are $100 Million to $3+ Billion. Responsible for pro-active sourcing, developing new client relationships, and retaining profitable banking relationships within the assigned region. Primary focus is on finding new business opportunities to sell the Bankroducts and services. Responsible for contributing to the assigned Regionredit portfolio quality and participates in processing of requests for credit extension, ensuring credit facilities are properly structured, priced and documented. Maintains and grows current relationships by presenting new lending opportunities, cross selling, and other business to existing clients. Takes primary responsibility as the assigned officer for a portfolio of the most complex relationships including direct lending and agented syndicated facilities. This position is our most experienced level of Relationship Manager and is typically responsible for large and complex commercial banking group relationships as applicable to the line of business.
Essential Job Functions · Business Origination; Able to develop relationships with clients in the assigned geographic segment. Grow CBGlient portfolio with the objective of increasing net revenue. This individual will develop and manage relationships, and lead an aggressive calling plan on prospective clients within the assigned geographical region. S/He will be involved in cross-sell opportunities with other groups within Bank of the West, and must maintain a network of industry and internal peers.
· Serves as a primary contact with prospective and current customers in assigned geographic region for all of the financial, banking, and investment counseling needs. Primary focus is on finding and developing new business opportunities to sell the Bank's products and services. Conducts meetings with management teams and treasury/finance staff at current and prospective customers to thoroughly understand their needs and financial situation with the goal to market and sell additional Bank products and services.
· Identifies business needs and corresponding sales opportunities bank-wide and actively promotes ways to increase customer reliance on bank products and services, capitalizing on the unique and comprehensive capabilities of the bank and the global capabilities of its parent BNP Paribas. This would include Cash Management, Syndication, and the Capital Market Group.
· Assists in obtaining financial statements, tax returns, and other credit information and maintaining individual credit files for all existing customers. Participates in analysis of pertinent credit information and/or credit checks.
· Collaborates in write up of all Credit Requests, Variances and other correspondence related to the relationship. Presents credits at loan committee.
· Works with loan administration in the review and negotiation of loan documents.
· Manages existing portfolio and stays informed on their condition is aware of developing trends in the market which may impact credit quality. Prepares quarterly loan reports on existing portfolio.
· Maintains assigned annual goals for portfolio maintenance, portfolio growth, and new business development, and will be ranked among peers on the Division Scorecard.
· Ensures job duties are performed within established BOW controls, risk, and audit protocols.
· Performs other duties as assigned.
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Qualifications Required Experience · Requires Commercial Banking deal origination experience in Wine and Beverage Industry.
· Requires 10+ years minimum prior relevant commercial banking experience, including the ability to cross-sell domestic and global commercial banking and capital markets products and services.
· 5+ years serving commercial banking client companies with revenues between $100 million to $5 Billion in annual revenues.
· Solid understanding of underwriting and analysis for companies of all sizes and complexities.
· Comfortable consulting, cross-selling, and applying commercial lending principles.
· Able to pro-actively source new business through cold-calling of prospects in addition to growing business.
· FINRA Series 79 & 63 eferred but not required
Education · Bacheloregree in Business or Finance quired (or equivalent work experience)
· Masterdvanced Degree in Business or Finance eferred but not required
Skills · Solid understanding of underwriting and analysis for companies of all sizes and complexities.
· Familiarity with use and application of commercial lending principles.
Equal Employment Opportunity Policy
· Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.
· Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
