Client Relationship Manager III (Commercial Loan Officer III)

About the Position

The Client Relationship Manager (CRM) III is responsible for fostering meaningful, collaborative, and effective relationships that reflect respect, integrity, and excellence with clients, colleagues, and the management team. The CRM III is a senior relationship manager responsible for developing new relationships with prospective clients and identifies the financial needs of clients, matches those needs with the wide range of Bank products and services that include extensions of commercial and/or real estate credits, demand, savings or time deposit account products or other services.

Responsibilities

• Ensure client satisfaction with larger and more complex loans and all aspects of loans including CRE, C&I, Construction, Lines of Credit, Letters of Credit, Government Guaranteed Loans, and other commercial loans.
• Assess credit needs within the Bank's market assessment areas by establishing relationships with community organizations, leaders, and businesses to seek out potential CRA eligible lending opportunities.
• Develop and successfully execute an outreach program with specific emphasis on CRA qualified loans (small business and community development loans), as well as loans to majority minority businesses and geographic locations.
• Analyze all client loan requests, determine whether a loan is within an acceptable risk per the Bank's framework, and prepare and submit required documents for the approval process.
• Manage and grow large loan and deposit relationships, expand current services offered to existing high-valued clients, and provide exemplary services to those clients by delivering regular support that includes regular contact, coordinating loan activities, monitoring loan payments, and completing financial analysis.
• Represent the Bank professionally and positively through involvement in local, civic, social and professional organizations and frequent local events.
• Design business development plans and marketing strategies tailored to the assigned region to meet client goals and increasing business goals.
• Assist the Regional Team Lead or Director of Lending and the Lending team with other duties as assigned.
• Perform all duties accurately, timely, efficiently, and according to Bank policies, procedures, regulatory guidelines, and SBA Standard Operating Procedures.

Qualifications

Education & Certification

• Bachelor's Degree in Business, or related field, preferred.

Knowledge Required

• Extensive knowledge of banking and lending operations and procedures, as well as the various regulations and standard banking practices.
• Strong knowledge of CRA eligible relationships and regulations.
• Extensive knowledge of loan products, including CRE, C&I, Construction, and Lines of Credit and Government Guaranteed Lending Products.

Experience Required

• Minimum of 8 years of experience in the financial services industry.
• Minimum of 5 years of sales, networking, and client relationship-building experience.
• Proven experience in meeting production goals.

Skills & Abilities

• Strong oral and written communication abilities.
• Strong interpersonal skills.
• Proficient skills in designing business development plans and marketing strategies.
• Strong business development techniques, networking, client relationship-building, and cross-selling skills.
• Ability to identify, analyze and handle credit requests.
• Strong math skills.
• Strong organizational skills.
• Professional appearance, dress and attitude.
• Ability to use Microsoft Office software package and other banking systems and software.
• Ability to operate standard computer hardware, software, and other office equipment including, but not limited to telephone, copier/scanner, and fax machine.

Benefits

• Medical, dental, and vision insurance
• 401K plan
• Long and short term disability insurance
• Flexible spending account
• Generous vacation and sick policy