Commercial Relationship Manager

Job Summary

The Commercial Relationship Manager is responsible for creating, developing, and managing banking relationships; originating commercial loans and developing deposit relationships; and ensuring exceptional client service while maximizing the profitability of client relationships and minimizing risk.

• Develop new depository and loan customer relationships with prospective clients.
• Actively manage and maintain existing clients by independently monitoring the financial condition and business aspects of a group of customers and responding to clients’ daily and long-term banking needs with minimal oversight.
• Manage and expand existing portfolio by overseeing credit renewals, resolving problems and cross-selling other products with the assistance of product specialists.
• Meet with centers of influence, business brokers, CPAs, attorneys, real estate agents, business owners, senior executives, and others to evaluate and analyze their financial and business needs, and to provide expert advice to prospective clients. This includes developing a clear understanding of current and potential customers and their business strategies, loan purpose, risk assessments and mitigation of risk, indicated repayment sources through financial statements and asset evaluation.
• Make independent threshold determinations regarding the creditworthiness of prospective clients, including assessing independently the risks of proposed and existing loans based on multiple considerations, such as the nature of the customers’ business, their financial history, collateral, future earnings potential, total Bank obligation involved, expected cash flow and other factors as determined by the relationship manager.
• Scrutinize customer and potential customer information for evidence of irregularities, discrepancies, and fraud.
• Structure and propose credits; negotiate, within guidelines, credit pricing, terms, and structures. Facilitate resolution of the credit approval process.
• Monitor loan repayment activities and take necessary action to collect from past-due accounts.
• Maintain comprehensive knowledge of the bank’s products, services and credit standards, trends in commercial banking pricing and products.
• Keep abreast of local and national economic, financial, political, and legislative events and climates that could impact corporate and commercial lending activities.
• Maintain professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development.
• Ensure BSA compliance by familiarizing oneself with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
• Perform other tasks, responsibilities, or duties as directed by management.

• Bachelor's Degree (BA, BS, etc.) in Business, Accounting, Finance, or a related field preferred with a minimum of Five (5) years of credit and/or commercial loan experience.
• Exhibits effective sales and customer service practices and has a firm grasp of relevant legal issues and other necessary information.
• Maintains confidentiality of customer and employee information.
• Self-starter and able to work independently.
• Displays a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
• Must be able to make sound decisions, recognize potential problems, and take corrective action.
• Flexible to adapt to changing business priorities.
• Good interpersonal skills and communication with all levels of management.
• Able to multitask, prioritize, and manage time efficiently.
• Excellent verbal and written communication skills.