Business Lending Relationship Manager II

General Responsibilities

• Performs a variety of duties to meet the business service needs of business customers.
• Solicits new business from present and prospective customers, maintains ongoing business relationships with present customers to take advantage of additional cross-selling opportunities.
• Works to achieve annual loan and deposit growth, retention, referral, and asset quality goals.
• Serves as a member of the Bank’s sales team, i.e. Branch staff; makes group sales calls where these types of calls will improve the opportunity for new business development.
• Maintains a general knowledge of the features and benefits of all bank products and services to ascertain customer needs and to provide services in conjunction with these needs.
• Maintains a working knowledge of Bank operating policies and procedures which impact business lending and services.
• Provides direct service to business customers of the Bank with respect to deposit, loan and other miscellaneous products and services; approves or rejects loan applications within individual lending authority.
• Conducts loan interviews with prospective loan customers; counsels prospective customers on loan requirements and Bank lending policies.
• Reviews and analyzes applications and credit investigation information.
• Analyzes business and personal financial information in order to access risks and determine pricing.
• Manages the cash management product installation, implementation, maintenance, and product training process.
• Manages and coordinates cash management product file limit approvals and recommendations for completion of the risk assessment, issuance, renewal, increase, decrease or termination.
• Expected to work all minor delinquencies in order to keep loans under 30 days past due.
• Assists the Resource Recovery Department in the workout or collection process as needed and as may be requested or required by the Credit Administration Manager.
• May attend sales and trade meetings as a Bank representative to develop new business and to gain information and leads on new business relationships.

Essential Duties

• Maintains a working knowledge of Bank operating policies and procedures which impact business lending and services.
• Provides direct service to business customers of the Bank with respect to deposit, loan and other miscellaneous products and services; approves or rejects loan applications within individual lending authority.
• Conducts loan interviews with prospective loan customers; counsels prospective customers on loan requirements and Bank lending policies.
• Reviews and analyzes applications and credit investigation information.
• Analyzes business and personal financial information in order to access risks and determine pricing.
• Manages the cash management product installation, implementation, maintenance, and product training process.
• Manages and coordinates cash management product file limit approvals and recommendations for completion of the risk assessment, issuance, renewal, increase, decrease or termination.
• Expected to work all minor delinquencies in order to keep loans under 30 days past due.
• Assists the Resource Recovery Department in the workout or collection process as needed and as may be requested or required by the Credit Administration Manager.
• May attend sales and trade meetings as a Bank representative to develop new business and to gain information and leads on new business relationships.

Basic Qualifications

• A B.S. or B. A. degree in a business-related field normally required; specialized business lending education and training; specialized cash management education/training.
• Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communicative, and sales skills; a thorough knowledge of the features and benefits of all bank products and services; a working knowledge of bank operating policies and procedures; a thorough knowledge of bank regulatory requirements as they relate to business lending; proficient technology skills; visual and auditory skills; valid driver’s license.
• A minimum of five (5) years' experience in related lending positions is normally required.