Commercial Relationship Manager

Support commercial loan processing

Serves as a trusted advisor to identify and interpret the needs of the customer to structure portfolios and drive results.

Identifies and interprets customer needs

Defines new approaches to sell and service the clients' needs while delivering solutions.

Anticipates customer trends

Anticipates emerging customer trends as a basis to recommend bank products and services striving to deepen relationships.

Manages large accounts

Manages the most strategic commercial relationships that are characterized by complex products and services and require significant business development focus.

Solves unique problems

Solves unique problems with broad impact on the business segment and financials.

Develops and implements new approaches

Develops and implements new and innovative approaches to the sales process, including negotiation of terms and conditions within account management.

Communicates complex ideas

Communicates complex ideas, anticipates potential objections, and negotiates with customers.

Maintains and grows relationships

Maintains and grows existing relationships, utilizing existing customer referrals, direct prospect calling, centers of influence and personal community involvement.

Participates in community events

Participates in community events to promote the Bank and develop new relationships.

Business development activities

Engages in business development activities and solicitation of new business based on the target market.

Loan processing and servicing

Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems related to processing and servicing of loans within the Relationship Manager's portfolio.

Negotiates and makes decisions

Negotiates terms and makes decisions on loans within limits or makes recommendations.

Maintains loan status

Maintains outstanding loans to ensure ongoing credit worthiness.

Adheres to policies and procedures

Continuously demonstrates strong adherence to Company policies and procedures, as well as company values.

Travel requirements

Minimal travel for client servicing. Office position.

Qualifications and Education Requirements

• Bachelor’s degree in business, Finance or related degree preferred or equivalent work experience.
• 2-3 years of commercial relationship management experience.
• General knowledge C&I, CRE, financial statement and tax returns.

Competencies

• Proven business development track record, with proven ability to conceptualize and implement effective new business strategies.
• Extensive network of outside referral sources for new business.
• Excellent credit and financial analysis skills.
• Educational background in business, finance, or related field.
• Effective negotiation skills.
• Excellent interpersonal skills.
• Proficient in Microsoft Excel and Word.
• Strong organizational skills and high attention to detail.
• Willing to assist and collaborate with coworkers and clients on a regular basis.
• Effective and active listening skills.
• Ability to remain composed under pressure and respond to clients and coworkers regularly.
• Patient and willing to help others in solving problems while maintaining a positive attitude.
• Openness to wearing multiple hats and being a team player.
• Ability to establish effective working relationships among team members.
• Presents and expresses ideas and information clearly and concisely in a manner appropriate to the audience, whether verbally or written.

M C Bank is an Equal Opportunity / Affirmative Action employer

All hiring decisions are based on qualifications, merit, and business needs. We prohibit discrimination and harassment of any kind based on race, color, religion, sex, sexual orientation, age, national origin, disability, protected veteran status, or any other factor protected by applicable federal, state, or local laws.