Commercial Relationship Manager IV

About the role

The Commercial Relationship Manager IV is responsible for the overall management and development of a portfolio of commercial relationships, originating complex C & I loans, and maximizing bank profitability through appropriate pricing and cross-selling of products and services.

Responsibilities

• Work closely with internal partners to facilitate the development of new business relationships and develop prospects through lead lists and COIs.
• Retain and expand existing customer relationships by profiling and selling/cross-selling commercial products and services.
• Build deposits, loans, fee income, and refer customers and prospects to business partners.
• Execute 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 sell appropriate products and services.
• Work with Treasury staff to solicit treasury services and deposit accounts.
• Prepare correspondence, commitment letters, and loan memorandums and associated documents as required.
• Ensure portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure, and business strategy.
• Identify and successfully capitalize on cross-sell opportunities and make appropriate referrals.
• Assist in mentoring teammates, including credit analysis, financial spreading, and underwriting.

Requirements

• Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience.
• Minimum 5 years of commercial banking experience and a proven track record of generating deposit and fee income.
• Very strong credit skills evident.
• Very strong professional writing skills, able to articulate customer's business needs succinctly and accurately in credit packages.
• Demonstrates effective problem solving and excellent collaboration and inter-personal communication skills.
• Possesses excellent C & I 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, strong ability to structure loans, strong credit skills.
• Proven track record with sales and new business development in conjunction with exceeding sales goals.
• Ability to work well in a sales-driven environment.
• Excellent organizational skills, initiative, dependability, and ability to work with minimal direction.
• 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 5 years of commercial banking experience and a proven track record of generating deposit and fee income.

Skills

• Credit skills: Very strong.
• Professional writing: Strong.
• Problem-solving: Effective.
• Interpersonal communication: Excellent.
• Lending and product knowledge: Excellent.
• Collaboration: Strong.
• Organizational skills: Excellent.
• Initiative: High.
• Dependability: High.
• Computer skills: Proficient.
• Microsoft Office: Good working knowledge.

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.