AVP​/Relationship Manager

Job Summary

Pay Range: $74,663.00 - $. The AVP/Relationship Manager will primarily examine, evaluate and recommend approval of client applications for a myriad of bank products, including commercial lines of credit, commercial term loans, letters of credit, real estate loans and flat notes.

• Interview applicants to obtain corporate history and to resolve questions regarding application information.
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting a loan.
• Request specified financial information for loan application.
• Negotiate structure and pricing of more complex credit facilities to borrowers with revenues of more than $1MM.
• Present credits to the Loan Committee and/or Director’s Loan Committee for approval.
• Ensure loan agreements are complete and accurate according to policy.
• Analyze potential markets to develop prospects for loans and deposits.
• Monitor borrowers' financial condition for compliance with loan covenants.
• Maintain delinquencies and classified loans at a minimum.
• Maintain and service existing portfolio.
• Assist Commercial Banking Officers and Commercial Lending Credit Analysts in ongoing training.
• Act as bank representative at civic and/or industry meetings or functions.
• Perform all other duties and special projects as assigned.

• Bachelor’s degree from a four‑year college or university.
• Two or more years of relevant experience.
• Masterful at relationship building and business development with strong influential and decision‑making skills.
• Demonstrated business acumen with knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services.
• Excellent communication skills with all levels of external and internal clients.
• Proven time‑management and problem‑solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast‑paced environment.
• Demonstrates initiative and the ability to work in an autonomous manner.
• Travel may be required.

• Responsible for ensuring compliance with all aspects of job‑related laws and regulations and must maintain current compliance knowledge by attending compliance‑related training seminars and staff meetings and by reading pertinent compliance-related materials.
• Job‑related laws and regulations include, but are not limited to, the Bank Secrecy Act (BSA);
  Office of Foreign Asset Control (OFAC);
  Vendor Management;
  Information and Data Security; and SEC regulations related to corporate governance and disclosure.

Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate on the basis of race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, veteran status, or any other characteristic protected by Federal, state, or local laws. Applicants must be currently authorized to work in the United States for any employer.