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Job Description
VP, Deposit Relationship Manager (Exempt, Full-Time) United Pacific Bank - 4.0 Azusa, CA Job Details Full-time $100,000 - $130,000 a year 19 hours ago Qualifications Microsoft Excel Microsoft Outlook Operations management High school diploma or GED Process management Full Job Description Job Summary The Deposit Relationship Manager is responsible for driving low-cost core deposit growth and building deep, long-term financial relationships within the local community. Operating in a high-touch, community bank environment, this role focuses on sourcing and managing deposit-centric relationships with local small-to-medium businesses (SMBs), municipalities, non-profits, and high-net-worth individuals. The ideal candidate blends a deeply rooted local networking approach with the sophisticated financial acumen necessary to advise C-suite executives and navigate complex regulatory standards.
Key Responsibilities Business Development & Deposit Gathering:
Proactively identify, prospect, and onboard high-net-worth individuals, businesses, municipalities, and non-profit organizations to secure low-cost core deposits.
Portfolio & Relationship Management :
Serve as the primary point of contact for a dedicated portfolio of deposit-rich clients, ensuring exceptional service, high retention rates, and maximum share of wallet.
Cross-Functional Collaboration:
Partner closely with Commercial Lenders to cross-sell deposit and cash management services to borrowing clients, and coordinate with local Branch officers to ensure seamless client onboarding.
Liquidity Consulting:
Advise clients on optimizing their yield, liquidity, and safety through tailored deposit structures, including specialized business accounts, escrow solutions, and extended insurance products (e.g., ICS/CDARS).
Onboarding Coordination:
Coordinate with internal deposit operations, compliance, and onboarding teams to ensure seamless client experience during account setup and funds transition.
Risk & Compliance Management:
Ensure all new and existing accounts strictly adhere to Know Your Customer (KYC), Anti-Money Laundering (AML), and Bank Secrecy Act (BSA) regulations.
Margin Optimization:
Manage deposit pricing and exception requests, balancing client satisfaction with the bank's net interest margin (NIM) objectives.
Qualifications Education:
Bachelor's degree in Business, Finance, or a related field; or equivalent community banking experience.
Experience:
3-5+ years of experience in retail banking, business banking, or branch management within a community or regional bank setting, with a proven track record of deposit acquisition.
Community Connection:
Strong existing network of professional contacts and business relationships within the local market area is highly preferred.
Knowledge & Skills Sales & C-Suite Negotiation:
Advanced networking, pitching, and negotiation skills, with a proven ability to present financial solutions to Individuals and business owners.
Regulatory Knowledge:
Solid working knowledge of bank regulatory compliance, particularly regarding corporate account structures, BSA, and AML standards.
Community Banking Mindset:
Deep appreciation for the community banking model, featuring a hands-on, "no task is too small" attitude and a passion for supporting local businesses.
Core Banking Product Knowledge:
Solid understanding of individual and business deposit accounts, basic treasury management tools (RDC, ACH, online banking platforms), and deposit placement networks.
