Commercial Relationship Manager - Bellefontaine

Commercial Relationship Manager

At Richwood Bank, our purpose is to inspire, protect, and celebrate anything that makes communities thrive.

Have you ever wanted to work for a company that exceptionally lives its values? One hundred and fifty years ago, we began as a small community bank. Today, we are still a community bank – as well as a payroll processing team, a marketing agency, a coffee shop, and more. We have flipped the switch on traditional banking. Yet, we have always aimed to provide the very best customer experience, contribute to the greater good of our local communities, and make every effort to be the best employer in the area with a company culture that works hard to develop, recognize, and award its team members.

Richwood Bank has a comprehensive benefits package for full-time employees including, but not limited to, medical and wellness program, dental, vision, employee assistance plan, life insurance and supplemental short-term disability. Full time and part time employees have access to a 401(k) plan, and enhanced Wellness program, tuition reimbursement, and tons of professional development opportunities!

The Commercial Relationship Manager is knowledgeable of Richwood Bank’s full spectrum of loan and banking services. This role is responsible for acquiring and retaining commercial banking relationships. This role is responsible for evaluating and recommending the best products for our business customers’ needs, helping our customers through the application process from initial paperwork to gathering necessary financial information and documents.

Richwood Bank prides itself on a unique company culture and all team members should be active and engaged participants.

• Adheres to Richwood's management routines, provides guidance to team members, conducts coaching, delivers discipline, and completes performance reviews.
• Build and maintain strong relationships with commercial clients, understanding their business needs and financial goals.
• Identify and screen new business opportunities for prospective clients, focusing primarily on commercial lending opportunities and cross‑selling and referring deposit relationships.
• Identify and pursue new business opportunities by networking, attending industry events, and leveraging existing relationships.
• Develop customized lending solutions that align with client needs while adhering to the bank's credit policies and risk management guidelines.
• Provide support to existing commercial and business banking clients, often coordinating with customer service, treasury management, portfolio management, and operations staff.
• Ensure all loan documentation is complete and accurate, and that all transactions comply with regulatory requirements and internal policies.
• Conduct thorough credit assessments, including financial statement analysis, collateral values, cash flow projections, and risk evaluations to determine loan eligibility.
• Stay informed about market trends, economic conditions, and competitive landscape to provide clients with relevant insights and advice.
• Act as a primary point of contact for negotiations and issue resolution for the clients in your portfolio.
• Develop, maintain, and analyze various reports and financial data for tracking and reporting, developing business banking solutions, resolving issues, and minimizing risk.
• Provide all information required to assist the credit staff in the preparation, analysis, and delivery of credit solutions for new and existing clients.
• Ensure approval and rejection records are being maintained.
• Processes Loan applications, collects financial data, establishes payment plans, and presents loan proposal details to prospective borrowers.
• Accurately enters customer financial information into processing software. Scans all documents and prepares files for loan administration processing.
• Documents customer history and background for loan request as required for federal auditing committee.
• Collects and submits information for loan committee worksheets for presentation to loan committee.
• Works with loan processing to order appraisals, title work, and any closing loan docs.
• Performs Uniform Commercial Code…