Commercial Banking Relationship Manager I

Key Responsibilities

• Identifies business development opportunities with prospects or current customers;
• Marksets and provides counsel on the Bank’s credit and cash management products and services.
• Sources and independently generates 50% or more of new business.
• Collects application documents, works with the credit analysts to assess client’s financial condition; determines credit risk and makes loan structuring and underwriting decisions within approval authority or seeks appropriate joined approval authority; coordinates closing and the completion and review of final documents.
• Serves as Relationship Manager by providing ongoing customer service support and guidance to existing and new clients and client decision makers; maintains up-to-date client files, manages renewals, and processes servicing requests such as collecting past due payments, exception clearing, responding to information inquiries and facilitating transfer and draw requests.
• Maintains current and in-depth knowledge on banking and lending products, policies, procedures, and regulatory requirements, as well as market and industry activities and trends.

Competencies

• Excellent external and internal customer service and relationship management skills with the ability to convey a positive attitude and maintain a high degree of confidentiality, diplomacy, tact, and salesmanship.
• Proven ability to effectively promote all bank products and services.
• Excellent written and verbal communication skills with effective sales acumen.
• Strong practical knowledge of commercial banking and lending products, policies, procedures, regulatory guidelines, and market trends.
• Developed critical thinking and decision-making skills with the ability to interpret and analyze financial and credit information.
• Excellent organizational skills with proven ability to prioritize and manage workload and to instill a sense of urgency in others as necessary to meet deadlines.
• Solid technology skills, including ability to navigate and search related websites, and intermediate proficiency with Microsoft office (Excel, Office, Word, and SharePoint) and banking software applications (Bancline, Mozart).

Minimum Qualifications/Experience

• 2-4 years of Commercial Lending experience required.
• Credit Analyst training either through a formal bank program or direct work experience required.
• Bank Portfolio Management experience required.
• Proficient knowledge of cash/treasury management products and services preferred.
• Prior sales experience with individual sales goals where goals were met or exceeded routinely, preferred.
• Formal Education & Certification: Bachelor’s Degree in Business Administration, Finance, Marketing, Accounting or related field preferred.