Commercial Relationship Manager

• Develop and cultivate new client portfolio relationships to meet established portfolio growth goals
• Maintain, cultivate, and retain an established client portfolio
• Discuss and explain bank credit, deposit, and treasury management products to current and prospective clients
• Work closely with the Credit Administration Department to provide timely loan closings
• Meet and exceed personal annual commercial lending and depository thresholds
• Support unit growth and profitability by calling on existing and potential clients
• Identify business needs and corresponding bank-wide sales opportunities
• Collaborate with Wealth Management, Cash Management, Residential, and other bank areas to promote complete financial products and services
• Assist clients with transactions by contacting appropriate departments
• Act as a liaison between clients and other departments
• Maintain portfolio retention and growth thresholds
• Facilitate loan approval decisions within lending limits
• Make recommendations to appropriate lending authority
• Negotiate loan terms and conditions with clients
• Attend commercial lending department sales meetings as required
• Collect past-due loans in the portfolio
• Assist in monitoring portfolio loan credit quality
• Perform other duties and responsibilities as assigned

• Bachelor's degree in business, finance and/or previously related work experience
• Three to five years of experience in commercial lending and business development
• Demonstrated ability to operate a computer with Windows-based programs (Windows, MS Word, Excel, Outlook, etc.)
• Strong analytical skills
• Basic understanding of banking policies and procedures
• Excellent communications, sales and public relations skills
• Ability to remain in a stationary position for extended periods
• Frequent use of a computer and other office equipment
• Ability to communicate effectively with colleagues and customers
• Occasionally move or lift items up to 10 pounds

Demonstrates expertise in commercial lending and business development, with a strong focus on client relationship management and portfolio growth. Proficient in analyzing financial products and collaborating across departments to enhance client services and drive profitability.

• Commercial Lending Experience
• Client Relationship Management
• Business Development
• Analytical Skills
• Sales and Public Relations Skills

• Commercial Lending
• Portfolio Management
• Loan Approval Facilitation
• Financial Product Knowledge
• Credit Analysis

• Effective Communication
• Negotiation Skills
• Interpersonal Skills

• Banking Policies
• Treasury Management
• Credit Administration
• Sales Opportunities
• Loan Terms Negotiation

• Windows Operating System
• MS Word
• MS Excel
• MS Outlook