Commercial Relationship Manager II

Principal Accountabilities

• Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, schedule, and collateral requirements.
• Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means.
• Plants loan requests to the executive loan committee when the proposed loan dollar volume exceeds the department’s lending authority.
• Authorizes or rejects overdrafts in depository accounts within established authorities.
• Monitors loan repayment activities and takes necessary action to collect from past‑due accounts.
• Advise customers, where possible, concerning business management and financial matters.
• Serves as a contact officer for non‑borrowing accounts and loan customers for matters relating to other bank services.
• Develops new business by contacting prospects and customers, cross‑selling bank services.
• Prepares lending activity reports for department management.
• Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on corporate and commercial lending activities.
• Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities.
• Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development.
• Performs other specifically assigned duties.

• Strong knowledge of personal computers, Microsoft Office and other departmental software.
• Ability to prepare documents and compose business letters and memorandums.
• Ability to maintain confidentiality of customer and employee information.
• Self‑starter able to work independently.
• Strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
• Ability to work at a faster than average pace and multi‑task.

• Accustomed to a professional, business office environment in manner and dress; exhibits excellent human‑relation skills with customers and bank associates; willing to participate as a team member; committed to the bank’s mission and goals.

• Provides commercial loans in compliance with the bank’s policies and procedures.
• Bachelor’s Degree in Business, Finance or equivalent work experience in a related field and 3–5 years of previous commercial lending experience in a bank or loan setting.

1815 Little Rd, Trinity, Florida 34655

Equal Opportunity Employer, including disabled/veterans.