Commercial Relationship Manager IV

ESSENTIAL FUNCTIONS

• Actively participates in a business development plan to increase loan and deposit portfolio of commercial clients within a South State metro market
• Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
• Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meet the needs of the client and the operating objectives of the Bank
• Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail
• Underwrite loan requests within the parameters of the Bank’s policies and procedures
• Ensure loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
• Manage and service assigned loan portfolio
• Ensure all required documentation is in file for all loans and deposits
• Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
• Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
• Price each loan and deposit product according to current Bank pricing guidelines
• Document credit quality, current competitive factors, or overall relationship circumstances that justify departures from approved Bank pricing regulations
• Demonstrate a commitment to fair lending practices
• Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
• Ensure compliance with all applicable Bank policies and procedures, as well as State and Federal regulations
• Resolve client problems and assist with general inquiries
• Provide superior service to existing clients
• Build and maintain positive working relationships with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace

• Well-developed sales, interpersonal and negotiating skills
• Excellent written and verbal communication skills
• Basic accounting and credit skills
• Detail oriented with proven ability to prioritize complex work assignments
• Proven analytical skills and ability to evaluate credit worthiness
• Proficient in basic office equipment, emphasizing calculator and computer
• Proficiency in Microsoft Word, Excel and Outlook

• Education:
  
  A Bachelor’s degree in business, finance, banking, or related field (required). Graduation from a recognized school of banking is an asset.
• Experience:
  
  Minimum 10+ years of commercial lending experience, including previous loan structuring and credit analysis responsibilities.
• Certifications/Specific Knowledge:
  Extensive knowledge of all Bank products, services, procedures, and practices; in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.

Required annual compliance training;
New Employee Orientation

Must be able to effectively access and interpret information on computer screens, documents, and reports. This position requires a large amount of time in front of a computer, which can be done sitting or standing with the use of the right desk.

This position is in a private office.

This position may require some travel from time to time.

1011 W. 40th St., Ste. 100 Austin, Texas 78756

Equal Opportunity Employer, including disabled/veterans.