Relationship Vice President/Manager Relationship Vice President/Manager …

in Ventura, CA, United States
Permanent, Full time
Be the first to apply
in Ventura, CA, United States
Permanent, Full time
Be the first to apply
Relationship Vice President/Manager
VP, Relationship Manager - (Ventura, CA)

Ventura, CA, USA



This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. 


  •  Establishing new relationships and fostering existing relationships
  •  Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans.
  • Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank’s interest in providing a credit facility for the designated purpose

  • Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made

  • Prepare investment analysis and credit package for review by department manager and credit administrators

  • On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided

  • Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors

  • Manage financial ticklers

  • Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities

  • Stay abreast of market trends and develop/maintain a network of referral sources

  • Perform other duties as assigned


  • B.A. Degree in finance or related field and/or related work experience

  • Minimum of 4-7 years of experience in commercial lending, including valuation and asset management, and financial analysis

  • A general knowledge of appropriate loan documentation, collateral analysis and financial statements

  • P.C. proficient with emphasis on spreadsheets (Word, Excel, Moodys)

  • Excellent composing and writing skills

  • Above-average interpersonal skills; ability to communicate verbally with a wide range of people

  • Positive attitude and willingness to work

  • Responsiveness, judgment, maturity, integrity, and time management skills are required