Commercial Relationship Manager

About the Role

The Commercial Relationship Manager will develop and oversee a Commercial Loan Portfolio, focusing on the growth and development of commercial and industrial relationships typically comprising businesses with annual revenues up to $20 million. Responsibilities include providing deposit services, commercial loans, treasury management, and other Everwise products and services.

Responsibilities

• Actively engage in business development activities to attract new, profitable lower middle market businesses typically up to $20 million in revenues or loan sizes above $2 million.
• Screen and interview commercial applicants to assess their financial needs.
• Gather required information to compile a comprehensive loan package to submit for decisioning.
• Conduct joint calls with MicroLenders, Business Bankers, Treasury Management, and other internal stakeholders and departments.
• Perform robust financial analysis on loans and support underwriting.
• Actively involved in closing loans by adhering to proper documentation procedures, obtaining required signatures, and disbursing funds as per approval.
• Proactive administration of loan portfolio, deposit accounts, collections, and associated documentation.
• Proactive portfolio management, ensuring loan compliance, mitigating risk, and maintaining profitability by acquiring and analyzing necessary financial data.
• Cultivate and maintain professional community relationships to enhance Everwise’s visibility and secure new business opportunities.
• Actively engage in community service and promotional events to foster personal development and enhance Everwise’s positive reputation in the community.
• Preview other financial products and introduce additional financial services to enhance member relationships, such as Commercial, Cash Management, Mortgage, and Retail Services.
• Assume additional responsibilities as required for the growth and advancement of Everwise.

Requirements

• Bachelor’s degree in business, Accounting, Finance, related field, or equivalent relevant work experience.
• 4+ years’ experience in business banking or commercial lending within the financial services industry.
• Excellent skills in commercial financial software and Microsoft Office suite.
• Relevant certifications or advanced degree, preferred.

Skills

• Corporate and Commercial loan experience across diverse industries and commercial real estate asset classes.
• Proficient in negotiation, with excellent verbal and written communication skills.
• Ability to deliver exceptional service to business members, regardless of circumstances.
• Strong interpersonal skills in interviewing, negotiating, selling, and managing difficult conversations with members.
• Uphold impeccable integrity by safeguarding the best interest of Everwise and its members through prudent lending practices and risk mitigation.
• Knowledge of business and contract laws.
• Strong understanding of commercial credit, loan services, and credit risk policies and procedures.
• Solid understanding of treasury management.
• Ability to work autonomously and collaboratively in a team environment.
• Understand and adhere to government laws, regulations, and Everwise’s policies and procedures concerning Anti-Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT, and OFAC.