SVB - Relationship Manager II, Credit Solutions (Hybrid)
Overview
This is a hybrid role, with the expectation that time working will regularly take place inside and outside of our San Francisco office.
Together, Silicon Valley Bank and First Citizens offer you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets.
Silicon Valley Bank (SVB), a division of First-Citizens Bank, is the bank of some of the worlds most innovative companies and investors. SVB provides commercial and private banking to individuals and companies in the technology, life science and healthcare, private equity, venture capital and premium wine industries. SVB operates in centers of innovation throughout the United States, serving the unique needs of its dynamic clients with deep sector expertise, insights and connections. Learn more at svb.com.
Responsibilities
You will be joining the Enterprise Software Credit Solutions team at SVB that is focused on providing financing solutions to companies that encompass cutting edge technology powered by engineering innovation. Frontier Technology sector enables the convergence of hardware, software, and data in the following key sub-sectors: aerospace, hardware infrastructure, transportation, consumer electronics, semiconductor, quantum computing, immersive technology, and industrial.
The Credit Solutions group manages lending/credit for a wide range of credit relationships. Leads the due diligence and deal structuring process. Partners with the Relationship Management team for the delivery and negotiation of credit products. Owns the underwriting, approval and closing process. Responsible for proactive portfolio management, including maintaining credit quality and profitability targets. Remains abreast of market, sector, and competitive trends. Engages and builds relationships with key client stakeholders to remain well-informed, and able to respond to changing circumstances while appropriately balancing client and SVB needs. Develops and delivers insights and points of view on loan types and credit/performance trends in sectors/sub-sectors.
Primary Duties:
* Lead the structuring, underwriting, and closing of credit products for assigned prospects and clients. Responsible for the end-to-end process including building financial models, memo writing, and engaging with clients, prospects, and internal/external stakeholders.
Manage assigned portfolio of borrowing relationships, reviewing information, evaluating risk, engaging with clients, and building relationships with appropriate stakeholders. Communicate internally to recommend and execute on responses to changing situations for clients across the portfolio. Ensure that portfolio management practices meet SVB standards.
Engage in team development, including collaboration and coaching of Associates who support the team.
Develop and demonstrate subject matter expertise within the team including market, sector and competitive trends, business models, lending models and making the group more scalable through optimizing how we conduct business.
Qualifications
Bachelors degree or higher with a minimum of 6 years of commercial banking experience focused on credit solutions or high School Diploma/GED with 10 years of commercial banking experience focused on credit solutions.
Preferred Qualifications
Strong financial modeling/analysis, memo writing, debt structuring, negotiation, and closing skills with the ability to engage and build trust with clients independently.
Advanced knowledge of portfolio management practices including expertise in evaluating risk and managing changing situations.
The base pay for this position is generally between $152,400 $203,200. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.
Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.
Apply Now
This is a hybrid role, with the expectation that time working will regularly take place inside and outside of our San Francisco office.
Together, Silicon Valley Bank and First Citizens offer you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets.
Silicon Valley Bank (SVB), a division of First-Citizens Bank, is the bank of some of the worlds most innovative companies and investors. SVB provides commercial and private banking to individuals and companies in the technology, life science and healthcare, private equity, venture capital and premium wine industries. SVB operates in centers of innovation throughout the United States, serving the unique needs of its dynamic clients with deep sector expertise, insights and connections. Learn more at svb.com.
Responsibilities
You will be joining the Enterprise Software Credit Solutions team at SVB that is focused on providing financing solutions to companies that encompass cutting edge technology powered by engineering innovation. Frontier Technology sector enables the convergence of hardware, software, and data in the following key sub-sectors: aerospace, hardware infrastructure, transportation, consumer electronics, semiconductor, quantum computing, immersive technology, and industrial.
The Credit Solutions group manages lending/credit for a wide range of credit relationships. Leads the due diligence and deal structuring process. Partners with the Relationship Management team for the delivery and negotiation of credit products. Owns the underwriting, approval and closing process. Responsible for proactive portfolio management, including maintaining credit quality and profitability targets. Remains abreast of market, sector, and competitive trends. Engages and builds relationships with key client stakeholders to remain well-informed, and able to respond to changing circumstances while appropriately balancing client and SVB needs. Develops and delivers insights and points of view on loan types and credit/performance trends in sectors/sub-sectors.
Primary Duties:
* Lead the structuring, underwriting, and closing of credit products for assigned prospects and clients. Responsible for the end-to-end process including building financial models, memo writing, and engaging with clients, prospects, and internal/external stakeholders.
Manage assigned portfolio of borrowing relationships, reviewing information, evaluating risk, engaging with clients, and building relationships with appropriate stakeholders. Communicate internally to recommend and execute on responses to changing situations for clients across the portfolio. Ensure that portfolio management practices meet SVB standards.
Engage in team development, including collaboration and coaching of Associates who support the team.
Develop and demonstrate subject matter expertise within the team including market, sector and competitive trends, business models, lending models and making the group more scalable through optimizing how we conduct business.
Qualifications
Bachelors degree or higher with a minimum of 6 years of commercial banking experience focused on credit solutions or high School Diploma/GED with 10 years of commercial banking experience focused on credit solutions.
Preferred Qualifications
Strong financial modeling/analysis, memo writing, debt structuring, negotiation, and closing skills with the ability to engage and build trust with clients independently.
Advanced knowledge of portfolio management practices including expertise in evaluating risk and managing changing situations.
The base pay for this position is generally between $152,400 $203,200. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.
Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.
Apply Now