FVP, Relationship Manager
Company: Cathay General Bancorp
Location: El Monte
Posted on: October 31, 2025
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Job Description:
Relationship Manager (“RM”) is able to handle both (i)
client-facing business development responsibilities as well as (ii)
portfolio management responsibilities. This type of RM is typically
found in lending teams with a smaller number of people where
someone may need to carry out both functions. In a larger lending
team, this title can exist for someone who wants to transition from
PM to SRM but is not quite ready for the loan goal targets of a
SRM. This position’s function is to identify and bring new loan
clients and be able to manage an existing portfolio assigned to
them. ESSENTIAL FUNCTIONS • Identify and bring new clients to the
Bank. Each RM should have a specific new loan
commitment/outstanding goal set by their Team Manager every year. •
RM is to negotiate and structure the primary terms of the loan with
the client; circulate concept memo if needed prior to issuance of
term sheet/LOI. • Work with designated underwriter, loan assistants
and other loan support staff to prepare the Credit Commitment
Report (“CCR”) for new loans, renewals, amendments and annual
reviews. • Present each CCR to the requisite approval authority
levels. The finished CCR is the work product of a team but the RM
is ultimately responsible for the content. • Review loan documents,
either internally prepared or by outside counsel, to ensure
accuracy. • Work with loan assistants and loan support staff to
ensure all necessary items needed for the closing of the loan is in
process and well-managed; RM is to manage the client experience of
this process. • Portfolio management functions include monitoring
and managing the credit quality of the assigned loan portfolio. •
Review to ensure each credit is properly risk rated based on the
Bank’s risk rating system. • Reviews client’s accounts and
portfolios in order to identify, evaluate and determine the
appropriate course of action on potential credit quality issues in
order to maximize credit quality and minimize risk and potential
loss to the Bank. • Ensure compliance with Bank, regulatory and
credit requirements with emphasis on best-in-class customer service
while adhering to required timeframes from the client. • Assist
with mentoring and coaching junior officers and loan staff.
QUALIFICATIONS Education: • U.S. College graduate with major in
related fields. Experience: • 7-10 years of commercial lending and
banking experience with thorough knowledge of lending regulations
and credit/underwriting practices. • Must possess strong loan
negotiation (rates, terms, collateral requirements) experience. •
Must possess previous underwriting experience in the requisite area
of commercial lending. Skills/Ability: • Must have extensive
knowledge and understanding of Bank’s credit policy, risk
management, underwriting requirements and loan servicing. • Must
have strong knowledge and understanding of commercial and specialty
group banking products and services and have 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 well
independently to structure loans and/or lines of credits. • Must be
organized and detail oriented and able to multi-task. • Ability to
work effectively in a fast paced, high production and team
environment. • Excellent time management skills and be accustomed
to working with deadlines. • Ability to assume responsibility and
accountability for decision-making. • Ability to communicate
effectively with all levels of Bank personnel.
Keywords: Cathay General Bancorp, El Monte , FVP, Relationship Manager, Accounting, Auditing , El Monte, California
