Relationship Credit Manager

Posting Date:  05/13/2024
Location:  Morgan Hill (on-site)
Requisition #:  HBC 24-37
Department:  Lending

Job Summary:

The Relationship Credit Manager is responsible for analyzing current and prospective individual and commercial borrowers and industry as they relate to current market conditions.  The main objective of this position is to support and expedite the underwriting function for the commercial lending unit of the bank.  This position is also responsible for evaluating cash flow and collateral to service Bank’s lending position and accurately determine the borrower’s ability to incur and repay debt. The RCM must understand the Bank’s Credit Policy and procedures for underwriting credit.

Pay Range: Base Compensation is dependent upon role, experience, and skill set: Min- $54,698/yr Max- $91,163/yr

Primary Responsibilities:

  • Support the underwriting function for the commercial lending unit of the bank:
    • Accurately spread and analyze financial statements of prospective and existing commercial borrowers.
    • Research industries and current market conditions of commercial borrowers as they relate to Bank’s potential risk.
    • Effectively underwrite loan applications, including a complete financial and industry analysis, in a timely manner.
    • Maintain satisfactory customer service levels with all commercial lenders in the department and all other departments within the bank.
    • Maintain current client relationships by being responsible to their changing business needs and by renewing and/or amending existing credit commitments in a timely manner.
  • Perform other related duties as assigned.


  • Bachelor’s degree from a four-year college or university or equivalent work experience
  • A demonstrated record of success with 1+ years of underwriting experience including financial statement spreading knowledge
  • Proven time management and problem-solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast-paced environment
  • Demonstrates initiative and the ability to work in an autonomous manner
  • Strong communication and organizational skills with the ability to interact effectively with all levels of management

Compliance Responsibilities:

The employee is responsible for ensuring compliance with all aspects of job related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials.

Job related laws and regulations include but are not limited to the following:  Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.

Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate on the basis of race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, Veteran status, or any other characteristic protected by Federal, state or local laws.


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