Commercial Relationship Banker II

Summary

This mid-level level position requires a critical skill-set and level experience in areas that are not easily duplicated in the market. Proactively executes integrated sales, service and relationship strategies to support growth and retention of commercial clients that have borrowing needs for complex commercial, consumer and/or mortgage loans. Develops new-to-bank business relationships, as well as cross-marketing/needs fulfillment for existing clients, through segment-based sales plans to achieve revenue growth targets and maximize operating capabilities and profitability.

Duties

and Responsibilities

include the following.

• Leads the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth throughout the marketplace.
• Provides strong, compassionate and visible leadership, which fosters positive attitudes and trust among employees, clients and prospects.
• Provides product specialists with qualified referrals for cross-sell. Assists in closing deals across all products.
• Judges potential qualified clients/deals, structuring deals to balance risk and reward, recognizing early warning signs and closely monitoring clients to anticipate changes in risk rating. Proactively identifies issues and restructures relationship to mitigate potential future risk.
• Monitors loan repayment activities and takes necessary action to collect from past due accounts.
• Partners with other departments (i.e. Treasury, Retail, Mortgage, etc.) to ensure ongoing and appropriate communication to support overall client and franchise objectives.
• Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, regulators, and senior business contacts.
• Through extensive involvement, leads local community awareness that the bank is critically focused on partnering in the community and on providing broad, multi-product banking solutions to the middle market companies housed in the marketplace.
• Oversees and ensures safe and sound underwriting/credit practices and overall leadership of a sound lending activity.
• Strictly adheres to internal control policies such as the account opening protocols of accurate collection, completion and updating of all required documentation.
• Ensures that the organization's activities are carried out in accordance with all regulatory, legal, and governmental regulations.

Supervisory Responsibilities

May supervise employees of the Lending Staff such as Loan Assistants. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include and training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.

Competencies Analytical and Design

Synthesizes complex information;
Collects and researches data;
Demonstrates attention to detail.

Problem Solving

Identifies and resolves problems in a timely manner;
Develops alternative solutions.

Interpersonal Skills/Customer Service

Maintains confidentiality;
Responds promptly to customer needs;
Meets commitments.

Oral and Written Communication

Listens and gets clarification;
Responds well to questions;
Demonstrates group presentation skills;
Writes clearly and informatively;
Able to read and interpret written information.

Teamwork

Contributes to building a positive team spirit;
Supports everyone's efforts to succeed.

Business Acumen

Demonstrates knowledge of market and competition.

Organizational Support

Follows policies and procedures;
Supports organization's goals and values;
Benefits organization through outside activities.

Judgment and Motivation

Exhibits sound and accurate judgment;
Includes appropriate people in decision-making process;
Demonstrates persistence and overcomes obstacles.

Planning/Organizing

Prioritizes and plans work activities;
Uses time efficiently;
Sets goals and objectives.

Professionalism

Reacts well under pressure;
Treats others with respect and consideration regardless of their status or position.

Adaptability and Innovation

Adapts to changes in the work environment;
Manages competing demands;
Develops innovative approaches and ideas.

Attendance/Punctuality and Dependability

Follows instructions, responds to management direction;
Commits to long hours of work when necessary to reach goals.

Qualifications

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.

Education and/or Experience

Bachelor's degree (B.

A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum five to ten years strong performance in client relations in commercial…