Commercial Relationship Banker

Job Description

Proactively executes integrated sales, service and relationship strategies to support growth and retention of commercial clients that have borrowing needs for complex commercial, consumer and/or mortgage loans.

Develops new-to-bank business relationships, as well as cross-marketing/needs fulfillment for existing clients, through segment-based sales plans to achieve revenue growth targets and maximize operating capabilities and profitability.

Duties and Responsibilities

• Leads the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth throughout the marketplace.
• Provides strong, compassionate and visible leadership, which fosters positive attitudes and trust among employees, clients and prospects.
• Provides product specialists with qualified referrals for cross-sell.
• Aids in closing deals across all products.
• Judges potential qualified clients/deals, structuring deals to balance risk and reward, recognizing early warning signs and closely monitoring clients to anticipate changes in risk rating.
• Proactively identifies issues and restructures relationship to mitigate potential future risk.
• Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, regulators, and senior business contacts.
• Through extensive involvement, leads local community awareness that the bank is critically focused on partnering in the community and on providing broad, multi-product banking solutions to the middle market companies housed in the marketplace.
• Oversees and ensures safe and sound underwriting/credit practices and overall leadership of a sound lending activity.
• Strictly adheres to internal control policies such as the account opening protocols of accurate collection, completion and updating of all required documentation.
• Ensures that the organization's activities are carried out in accordance with all regulatory, legal, and governmental regulations.
• Supervises employees of the Lending Staff such as Loan Assistants.
• Carrries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
• Trains employees; plans, assigns, and directs work; appraises performance in conjunction with management; rewards and disciplines employees; addresses complaints and resolves problems.

Qualifications

• Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum five to ten years strong performance in client relations in commercial banking with an emphasis on investments or sales arenas, preferably within roles of increasing responsibilities.
• Must have an in-depth knowledge of all aspects of commercial banking and an ability to quickly learn new products and services.