Commercial Relationship Manager II

About the role

The Commercial Relationship Manager II is responsible for the overall management and development of a portfolio of commercial relationships, focusing on medium and large clients. They are responsible for originating and servicing moderately complex C&I loans, owner occupied real estate, and investor owned real estate.

Responsibilities

• Work closely with internal partners to facilitate the development of new business relationships and develop prospects through lead lists and Centers of Influence (COI).
• Retain and expand existing customer relationships, build deposits, loans, fee income, and refer appropriate customers and prospects to business partners.
• Profile and sell/cross-sell commercial products to existing and potential clients, maximizing bank profitability through appropriate pricing of new loan originations, fee income, and cross-selling of all bank products and services.
• Develop and maintain a quality loan portfolio, ensuring compliance with established credit policy, procedure, and business strategy as well as commercial and regulatory guidelines.
• Identify and capitalize on cross-sell opportunities, making appropriate referrals, and executing a call program to acquire, retain, and expand customer relationships.
• Maintain a pipeline of existing relationships and new prospects, collect and maintain financial information on borrowers, and interact with customers to ensure all banking needs are being met.
• Provide financial advice to customers and profitably sell appropriate products and services to prospects and clients, working with branch and Treasury staff to solicit treasury services and deposit accounts.
• Prepare correspondence, commitment letters, loan memorandums, and associated documents as required, ensuring compliance with applicable policies, procedures, laws, regulations, and guidelines.
• Participate in organizations and projects to establish referral contacts and COI within the community.

Requirements

• Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience.
• Minimum 3-5 years of commercial banking experience and a proven track record of generating deposit and fee income.
• Knowledgeable of typical CRE collateral documentation, including title insurance, deeds of trust, assignment of rents & leases, hazard insurance, flood insurance, UCC filings, etc.
• Strong professional writing skills.
• Possesses lending and product knowledge and organizational skills.
• Ability to make knowledgeable loan decisions based on information supplied by the customer, verified through a rigorous underwriting process, and good credit skills.
• Ability to work well in a sales-driven environment.
• Manage multiple tasks at one time without supervision.
• Knowledge of applicable laws and regulatory compliance related to commercial lending.
• Proficient computer skills with a good working knowledge of Microsoft Office programs including Excel, Word, and Outlook.

Qualifications

• Education & Experience: Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience.
• Experience: Minimum 3-5 years of commercial banking experience and a proven track record of generating deposit and fee income.
• Skills: Credit skills evident, ability to service and originate real estate and complex C&I loans, knowledge of CRE collateral documentation, strong problem-solving and collaboration skills, professional writing skills, knowledge of commercial and regulatory guidelines, proficient computer skills with Microsoft Office.

Skills

• Credit skills evident.
• Ability to service and originate real estate and complex C&I loans.
• Knowledgeable of typical CRE collateral documentation - title insurance, deeds of trust, assignment of rents & leases, hazard insurance, flood insurance, UCC filings, etc.
• Demonstrates effective problem solving and excellent collaboration and inter-personal communication skills.
• Strong professional writing skills.
• Possesses lending and product knowledge and organizational skills.
• Ability to make knowledgeable loan decisions based on information supplied by the customer, verified through a rigorous underwriting process, and good credit skills.
• Ability to work well in a sales-driven environment.
• Manage multiple tasks at one time without supervision.
• Knowledge of applicable laws and regulatory compliance related to commercial lending.
• Proficient computer skills with a good working knowledge of Microsoft Office programs including Excel, Word, and Outlook.

Benefits

This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting this link. We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.