Commercial Banking Relationship Manager

Overview

The Commercial Banking Relationship Manager develops and manages larger and more complex relationships in the Commercial Loan Department with primary focus on C & I borrowers. Responsible for increased levels of credit management and business development. Promotes overall growth and development of the Commercial Loan Department.

• Generates loans, deposits and new commercial accounts through active business development.
• Work with the Chief Commercial Banking Officer and Commercial Banking Team Leads to further build the C & I portfolio and CRE portfolio.
• Focus on C & I prospects including owner occupied real estate mortgages as well as CRE prospects.
• Analyzes, underwrites and presents credit recommendations for commercial loans of all types.
• Analysis will include in-depth review of business and individual financial statements, tax returns and other relevant credit information including collateral analysis.
• Manages and services accounts within portfolio through timely collection and analysis of financial and other information to ensure ongoing compliance with loan covenants and general credit risk standards.
• May present requests to management and the Loan Approval Committee when the loan is beyond departmental authority.
• Process requests to advance funds from lines of credit by reviewing borrowing base certificates and other financial information, etc.
• Interact with customers independently to address non-routine servicing matters or other risk related issues.
• Prepare term sheets and commitment letters and interact with attorneys, etc. in order to prepare for and close loans per the approved loan terms.
• Effectively cross-sells bank products and services.
• Develops solid knowledge of market for marketing and portfolio management purposes.
• Recommends improvements to loan policy.
• Provides input for development of the annual budget and strategic plan for the department.
• Participates in community affairs to increase the bank s visibility.
• Ensures compliance, within area of responsibility, with bank policies as well as Federal, State and local laws.

Limited. May assigns tasks and directs staff per work process policies and procedures.

Consider this description to be the foundation of your job, not its boundaries. Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the client.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor s degree (B.A) or equivalent; or ten - fifteen years related experience and/or training; or equivalent combination of education and experience. Formal credit training and/or related experience.

Ability to read, analyze, and interpret financial reports, legal documents and common scientific and technical journals. Strong computer skills including Microsoft Office applications.

Strong communication skills, both oral and written. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively present information to top management, public groups, and/or boards of directors.

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand; walk; use sufficient hand, arm and finger dexterity or feel objects, tools or controls. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of…