Commercial Banking Relationship Manager

Responsibilities

• Develop and manage client accounts for the Business Banking Division.
• Ensure that these client accounts meet established requirements and maximum profitability to the financial institution at a minimum risk.
• Focus on acquisition of new clients and expanding relationships with existing clients.
• Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank.
• Develop a network of external referral sources/center of influence (COI's) in order to attract new clients.
• Maintain, grow and service assigned portfolios and appropriately cross-sell other bank products.
• Overall accountability for driving the profitability, quality, and growth of portfolio.
• Negotiate terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices.
• Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
• Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file.
• Monitor and report changes in credit quality.
• Bear overall responsibility for the loan closing process and attend loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.

Required Skills

• Effective interpersonal and presentation skills as well as written and verbal communication skills.
• Ability to prospect new business and enhance existing relationships.
• Ability to sell and negotiate.
• Ability to review, analyze and structure commercial loans, cross-sell bank products, and attract new business through effective presentations and the ability to respond to questions.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation.
• Formal credit training preferred.
• Ability to work independently or as a team to achieve overall Departmental goals using sound judgement in decision making.
• Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems.
• Familiarity with professional business practices (time management, communication and appearance).

Required Experience

• High School diploma or GED.
• Minimum of 3 years related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver's license.