Commercial Banker (Litigation)

About the Role

Responsible for the management, retention, and expansion of existing business relationships, the development of new business, and the servicing of a variety of commercial relationships. Grows revenue as directed by senior management by successfully prospecting for new business and retaining and expanding existing customer relationships. Manages a portfolio of up to 75 clients with credit outstanding up to $50MM. Business development activities typically focus on businesses with sales of $2MM - $25MM that operate in our defined targeted industries. Functions with minimal levels of individual authority and negotiates with strict adherence to established guidelines, credit pricing, terms, and structure.

Responsibilities

• Solicits new and prospective loan and deposit relationships for the Bank.
• Develops and executes a business development plan to achieve established goals and objectives.
• Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long-term profitable customer relationships, becoming the client's trusted financial partner through needs-based solutions.
• Identifies cross-sell opportunities for each assigned relationship.
• Markets a broad range of financial products to assigned clients and prospects.
• Builds internal relationships with departments such as Product Management, Treasury Management, and Credit Underwriting to enhance the overall banking relationship, ensuring the customer’s business objectives are met.
• Proactively seeks knowledge and mentorship from more Senior Relationship Managers to develop a thorough understanding of bank products, services, credit standards, bank pricing parameters, business development programs, and automated systems.
• Partners with the Commercial Underwriter to assess the customer’s credit risk and structure a credit solution that fits the customer’s needs while remaining within acceptable risk guidelines.
• Identifies client needs and works with customers to offer appropriate bank products and services.
• Cultivates prospects independently through customer referrals, networking, participation in professional organizations, social contacts, and community relationships.
• Develops relationships with customers through calling and customer support activities.
• Routinely monitors loan portfolio credit quality to ensure loans are current and conform to terms; quickly identifies and manages risks to minimize impact.
• Analyzes customer credit status or obtains appropriate central underwriting approval and related documentation to ensure portfolio quality and yield are maintained.
• Uses automated business development systems to manage individual calling programs, schedule appointments, develop customer profiles or cross-sales opportunities, follow up with customers, and book new business.
• Keeps abreast of industry, competitor, financial market, and other changes that may impact their portfolio or department.
• Assembles financial information and coordinates the generation of complete loan packages for approval presentation.
• Performs other duties and special projects as assigned by Senior Management.
• Complies with all applicable federal, state, and local banking and industry-related laws and regulations, including the Bank Secrecy Act.

Qualifications

• Bachelor’s Degree required; major in Accounting or Finance preferred.
• Minimum 3-5 years of relationship management experience selling banking products.
• Proficient in credit underwriting fundamentals and prior credit experience, including financial analysis.
• Knowledge of commercial loan products and lending/compliance regulations.

Essential Mental & Physical Requirements

Ability to lift/move/carry approximately 30 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship,” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.