VP, Relationship Manager – San Mateo


Community Bank of the Bay is an independent, community-focused bank with over 20 years of active financial investment in businesses and individuals in the San Francisco Bay Area. Our mission is to provide and promote economic development in the communities we serve. At Community Bank of the Bay, we take the time to listen, understand, and develop customized financial solutions that support the unique needs of our business banking clients. Through attentive customer service and a personalized approach, we seek to foster and advise local entrepreneurship, business growth, and sustainable economic investment.

Community Bank of the Bay (CBB) is a member of the FDIC, an SBA Preferred Lender, and a CDARS depository institution, headquartered in Oakland, CA with offices in Danville and San Mateo. We are also California’s first FDIC-insured certified Community Development Financial Institution (CDFI) and have been awarded 18 Bank Enterprise Awards since 1997 from the federal CDFI fund to use in service to distressed communities. Since December 2009, our total assets have grown 488%, to more than $490 million by 3rd quarter of 2019. CBB is the first and only bank in the Bay Area to sign the Anti-Displacement Code of Conduct, which advocates for sustainable investment that allows local communities to thrive.


The VP, Relationship Manager retains and expands existing business relationships with current clients and solicits new deposits, loans and other account relationships from prospective clients. Develops relationships with clients and prospects to increase overall level of business done by CBB.

Job Responsibilities

  • Generates, retains, and expands lending & deposit relationships with new and existing clients through existing referral sources, from existing clients, and prospecting.
  • Calls on existing or prospective customers within the framework of a business development plan including identification of prospects and determination of their needs and appropriate products/services.
  • Builds and maintains a portfolio of customers; discusses and cross-sells appropriate personal and small business financial products and services. Achieves specific business development goals; documents activities and prepares reports as needed.
  • Manages overall relationship profitability and manages the overall credit quality of assigned portfolio. Responsible for the profitable growth of the portfolio assigned (includes loans, deposits, and fee income).
  • Provides insight & ideas for enhancing client relationship, client cash flow, profitability, and efficiency.
  • Monitors and manages existing credit relationships, which includes note renewals, current financial statements & collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions & covenant monitoring, compiling reports necessary to monitor asset and credit quality and compliance with policy/regulations.
  • Negotiates loan proposals, analyzes and evaluates credit requests for possible consideration by the Loan Committee. Writes loan commitments, recommends appropriate credit grade, and implements approval/declination action.
  • Monitors accounts to identify potential credit problems and assures proper loan documentation.
  • Participates in community & professional activities in order to expand personal network of business contacts for development of new business.

Job Qualifications

  • Bachelor’s degree in business, finance, or a related field; or equivalent experience.
  • Minimum of five years of related lending experience.
  • Strong understanding of cash flow analysis, balance sheet and income statement analysis and collateral valuation.
  • Thorough understanding of income property lending.
  • Complete knowledge of commercial lending requirements, loan documentation and servicing requirements.
  • Understanding of credit underwriting process, collections procedures and related legal actions.
  • Excellent financial analysis abilities.
  • Strong communication and negotiation abilities.
  • Proficient in Microsoft Office Suite and financial software used for spreading financial information.
  • Willingness and ability to travel within the bank’s service area to conduct site visits and develop new clients.

Community Bank of the Bay is an Equal Opportunity Employer and hires qualified candidates without regard to race, religion, color, sex, sexual orientation, gender identity, age, national origin, ancestry, citizenship, veteran or disability status, or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. Job candidates must be legally eligible to work in the United States.