• Relationship Manager

    Job Locations US-TX-Houston
    Category
    Lending
  • Overview

    Hanmi Bank is currently seeking a Commercial Relationship Manager for our Houston, TX area.

     

    You will be responsible for business development of new commercial and industrial ("C&I") lending and depository clients and effective portfolio management of all C&I clients. The ideal candidate will be able to appropriately identify, evaluate (with the assistance of the Credit Underwriting team), and authorize/recommend approval or denial of C&I lending opportunities. This will be done by developing an appropriate level of communication with clients and internal team members to better understand and mitigate any issues the client may face.

     

    Responsibilities

    • Generate new Commercial and C&I loan and deposit relationships for the Bank in the type and manner outlined in the Bank's Strategic Plan, including developing relationships extending beyond the initial loan/deposit request.
    • Provide excellent customer service to existing clients to promote client retention and portfolio growth.
    • Achieve performance goals through proactive growth and retention of quality clients with a focus on driving overall profitability to meet bank targets.  
    • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    • Analyze trends in both the income statement and balance sheet, while following guidelines established by the Bank. Have a firm understanding of cash flow. Analyze various financial ratios (liquidity, activity, leverage, etc.) against industry benchmarks.
    • Monitor or coordinate monitoring of existing loans through the ongoing review of updated financial statements, customer and community interfacing, and review of internal reports.
    • Review and understand all loan documentation requirements, including those from third parties, such as appraisers, participants, insurance or title companies.
    • Work with Commercial and C&I l clients to resolve delinquent accounts for collection.
    • Review Problem Loan Reports (prepared by the Credit Underwriting team) as directed by policy, if necessary.
    • Complete and pass required compliance training courses by due date.

     

     

     

    Qualifications

    • 4+ years in sales or relationship management; Work related experience must consist of banking, financial services and/or client management.      
    • Knowledge of financial analysis, risk evaluation, loan documentation and commercial loan experience.
    • Strong knowledge of various phases of sales management, including planning, goal setting, project/time management and selling techniques.
    • Excellent business development and client relationship skills.
    • Detail orientated with exceptional sales and analytical skills.
    • Requires the ability to create and conduct presentations and prepare final proposals for qualified prospects as a final step in establishing financial relationships.

     

     

     

     

     

    We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

     

     

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