VP/FVP, Relationship Manager
Company: Cathay General Bancorp
Location: Milpitas
Posted on: December 2, 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 and deposit goal set by their Team
Manager every year. • RM should also have specific goals to
cross-sell Bank’s other products and services. • 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 or portfolio management
experience in the requisite area of commercial lending specifically
in commercial real estate and construction 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/or Vietnamese) 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, Milpitas , VP/FVP, Relationship Manager, Accounting, Auditing , Milpitas, California
