Commercial Relationship Manager II - CDL

New Business Development & Related Responsibilities

• Achieve sales goals and objectives
• Active role with industry organizations
• Attend events to generate business and network
• Work with Team Leader/Group Head to plan sales calls
• Conscious of role as a Bank representative
• Looks for cross-sell opportunities

Underwriting and Due Diligence

• Confident to underwrite moderately complex transactions
• Solid understanding of risk appetite
• Largely self-sufficient in terms of underwriting
• Good research skills
• Comprehensive understanding of policies and risk acceptance criteria (RAC's)
• Knows which deals to pass on and can prioritize opportunities
• Strong market knowledge and strong research skills

Credit Interactions

• Present transactions to predeal and credit committee
• Confidently present transactions, focusing on key risk issues
• Engage with Appraisal and Environmental Department
• Raise discussion points as necessary
• Engage with internal risk review

Legal / Loan Closings

• Aware of areas that can be negotiated or not
• Seek advice and approval for more complex requests within loan docs
• Engage with Commercial Banking Administrators (CBA's) to close loan in an efficient manner

Portfolio Management

• Maintain awareness of existing credits
• Regular risk rating review as circumstances change
• Planning extensions in advance of loan expiries as necessary
• Ensure that required reporting is requested
• Test and complete annual reviews in a timely manner
• Manage/monitor and late payments/delinquencies
• Work with Construction Management Group (CMG) on active construction loans
• Review appraisals and Field Exams and surface issues or notable items to TL and GH as necessary

Training Responsibilities

• May be required to assist new joiners (typically PM) in learning to use nCino and other internal software etc
• Expected to assist PM's and provide informal mentoring

Policy and Procedures

• Strong Knowledge of credit policy and risk parameters
• Suggests enhancements and edits to policy as market understanding grows

Technology

• Strong user of Microsoft products (Word/Excel etc)
• Techically proficient with nCino/Salesforce experience

Special Projects

• Maintain awareness of maturing credits, overdue payments, financial information reporting; etc, which could affect the status of the commercial relationships and take appropriate action
• Work with Portfolio Managers to ensure that financial information is collected on a timely basis and that credit exposure is properly rated reflecting credit quality over time
• Maintain frequent contact with the clients and serve as representative of the Bank ensuring that the client’s deposit, cash management, insurance and investment management needs are being properly handled