Commercial Relationship Manager III

Key Responsibilities

• Expand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bank
• Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protect the bank
• Maintain a thorough knowledge of bank's lending policies and regulatory requirements
• Maintain proper house-holding of relationships
• Gather financials for new and renewal opportunities with clients. Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting process. Work directly with the underwriter to ensure accurate reflection of financials and to ensure accurate preparation of Loss Given Default, Probability of default and Risk Adjusted Return on Capital models at time of new/renew requests.
• Cook up deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter
• Builds and maintains a portfolio mix of targeted high value and high potential clients. Emphasis on CRE and C&I relationships to drive prudent growth and profitability. Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services
• Makes sure client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
• Originate CRE credit facilities (e.g., construction, bridge, term loans, and lines), partnering with underwriting and credit to ensure sound structures, appropriate covenants, and policy compliance

Qualifications

• Bachelor (4-year college) degree
• 6-8 years of experience or an equivalent combination of education and experience
• Experience with Microsoft Outlook, Word, and Excel
• Significant CRE loan origination experience with a track record of sourcing, structuring, and closing transactions