1130 Law Practice Banking. AVP, Relationship Manager

General Summary The Specialty Deposit RM handles both client-facing business development and portfolio management responsibilities. The role identifies and brings new specialty deposit clients to the Bank while managing a portfolio of such clients, including Title & Escrow, Property Management, HOA, Retentions, Law Firms, and QSF deposits. Essential Functions Identify and bring new specialty deposit clients to the Bank; meet a yearly goal set by the manager. Ensure compliance with Bank and regulatory requirements while maintaining best‑in‑class client service and meeting required timeframes. Negotiate and structure primary loan terms with clients; circulate concept memos as needed before issuing term sheets or LOIs. Collaborate with designated underwriters, loan assistants, and loan support staff to prepare Credit Commitment Reports (CCRs) for new loans, renewals, amendments, and annual reviews. Present each CCR to the requisite approval authority levels. Be ultimately responsible for the content of the finished CCR, though it is a team effort. Ensure all items required for loan closing are in process and well‑managed. Review loan documents, whether internally prepared or by outside counsel, to guarantee accuracy. Confirm each credit is properly risk‑rated according to the Bank’s risk rating system. Analyze client accounts to identify, evaluate, and determine appropriate actions on potential credit quality issues, maximizing credit quality and minimizing risk and potential loss. Lead development of new specialty deposit client relationships with established escrow companies, drive dialogue, maximize cross‑sell opportunities, and reinforce long‑term relationships. Lead strategic dialogue with specialty deposit clients, proposing added‑value ideas originated internally. Interact with the Underwriting Department and Credit Administration to secure the required approvals. Build and maintain strong relationships with internal business partners. Act as a first line of defense, filtering risks and avoiding unwanted exposure. Conduct due diligence calls or visits when appropriate. Prepare concept memos for new opportunities that identify risk and provide credit analysis. Articulate a convincing case to support the risk opinion. Prepare portfolio analytical reports and presentations; stay connected with industry trends and macro issues that may impact the portfolio; recommend changes or actions affecting specific clients or client groups. Qualifications U.S. College graduate with a major in related fields. 5–10 years of commercial lending and banking experience; thorough knowledge of lending regulations and credit/underwriting practices. Strong loan negotiation experience (rates, terms, collateral requirements). Previous underwriting experience in the relevant area of commercial lending. Extensive knowledge of the Bank’s credit policy, risk management, underwriting requirements, and loan servicing. Deep understanding of commercial and specialty group banking products and demonstrated ability to cross‑sell such products. PC proficient. Excellent verbal and written communication skills. Bilingual (English/Mandarin or Cantonese) a plus but not required. Ability to work independently to structure loans and/or lines of credit. Organized, detail oriented, and able to multi‑task. Effective in a fast‑paced, high‑production, team environment. Excellent time‑management skills, accustomed to working with deadlines. Assumes responsibility and accountability for decision‑making. Communicates effectively with all levels of Bank personnel. Other Details Salary: $100,000 – $126,600 / year. Pay determined based on job‑related knowledge, skills, experience, and location. This position may be eligible for a discretionary bonus. #J-18808-Ljbffr Cathay Bank