Commercial Relationship Manager

Essential Duties And Responsibilities

• Meet and deal effectively with clients' questions or problems.
• Knows the Bank's products and services thoroughly.
• Identifies and cross-sells retail products suitable to the customer's needs.
• Handles customer complaints or questions and determines the action to be taken to remedy the situation.
• Serves as a model of excellent customer service to other employees.
• Supports the growth and development of assigned commercial lending loan portfolio.
• Investigates applicant's background and verifies credit and bank references.
• Provides objectivity to the credit approval process.
• Analyzes applicant financial status and credit to determine feasibility of granting/renewing loan requests.
• Ensures adherence to credit policy, guidelines and regulatory requirements.
• Verifies loan documentation is complete and accurate according to policy.
• Participates in the calling program – phone and in person – to introduce prospective clients to Potomac Bank.
• Develops relationships with referral sources.
• Utilizes Loan Vantage software to track prospecting activity.
• Aids in the sales proposal process, including accompanying other lenders and Bank partners on client and prospect calls and various other sales/client-oriented projects.
• Establishes and maintains relationships with current and prospective clients; proactively identifies and recommends opportunities to cross-sell additional loan and non-credit products to clients.
• Helps resolve credit problems, delinquent payment issues, and other related affairs.
• Reviews current account status, to include but not limited to, past due accounts and notes matured; makes appropriate recommendations for such accounts.
• Maintains neat and orderly work area and ensures that all negotiables and confidential records are properly secured each day.
• Monitors portfolio loan exposure including review of maturity reports, overdraft activity reports, past dues reports, etc.
• Demonstrates support and collaboration with Credit administration to align current and prospective business with Potomac Bank's credit culture.
• Other duties as assigned.

Critical Skills

• Demonstrates expertise in lending practices and loan products.
• Ability to adhere to Potomac Bank's Core Values: Integrity, Teamwork, Growth, Client Commitment, Community Focus.
• Excellent communication skills.
• Demonstrates financial analysis skills to identify quality credit and ability to attain aggressive sales/service goals.
• Self-Development: pursue additional education or training to remain current, improve knowledge, and diversify skills.
• Customer confidentiality: never reveal or divulge customer information to anyone outside of the Bank.
• Versatility: Ability to multi-task under pressure and fast paced environment.

Qualifications

• Four-year college degree preferably in business or finance; five or more years of experience in a bank or lending setting; or equivalent combination of education and experience.
• Superior active listening ability and communication skills.
• Strong ethics – honesty, integrity, and morality.
• Strong analytical ability, attention to detail, and common-sense decision making.
• Ability to negotiate and cross-sell.
• Understanding of local economy, laws, and regulations.
• Knowledge of credit industry regulations and compliance requirements.
• Strong analytical and critical thinking skills, with expertise in financial statement analysis and risk assessment.
• Must possess a knowledgeable background of the bank's procedures and policies.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.