Commercial Relationship Manager IV

About the role

Has responsibility for developing new business through sales efforts in a South State metropolitan market. Manages an entry-level loan and deposit portfolio, providing superior client service. Analyzes financial information to evaluate the credit worthiness of loan requests. Compiles loan packages ensuring completeness and accuracy of information provided. Sells and cross-sells additional products and services of the Bank. Assures loans follow state and federal regulations and Bank policies and procedures.

Responsibilities

• Actively participates in a business development plan to increase loan and deposit portfolio of commercial clients within a South State metro market
• Develops consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
• Manages the flow of loan and deposit requests through appropriate channels to ensure credit quality, responsiveness, structure, and pricing meeting client and Bank's operating objectives
• Collaborates effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail
• Underwrites loan requests within Bank’s policies and procedures. Ensures loan packages are accurate and complete when submitted to appropriate Credit partner for approval
• Services assigned loan portfolio, ensuring required documentation is in file for all loans and deposits
• Clears documentation or compliance deficiencies noted by Loan and Deposit Operations or other reviews
• Pairs with Credit to properly risk-grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
• Prices each loan and deposit product according to current Bank pricing guidelines
• Documents credit quality, current competitive factors, or overall relationship circumstances justifying departures from approved Bank pricing regulations
• Demonstrates commitment to fair lending practices
• Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
• Resolves client problems and assists with general inquiries
• Provides superior service to existing clients
• Builds and maintains positive working relationships with COI’s and others in the community to enhance Bank’s image and reputation in the marketplace

Requirements

• Well-developed sales, interpersonal, and negotiating skills
• Excellent written and verbal communication skills
• Basic accounting and credit skills
• Detail-oriented and proven ability to prioritize complex work assignments
• Proven analytical skills and ability to evaluate credit worthiness
• Proficient in using basic office equipment, with emphasis on calculator and computer
• Proficient in using Microsoft Word, Excel, Outlook

Qualifications, Education, And Certification Requirements

• Education: Bachelor’s degree in business, finance, banking, or related field required. Recognized school of banking is an asset.
• Experience: Minimum of 10+ years commercial lending or portfolio management experience, including previous loan structuring and credit analysis responsibilities.
• Certifications/Specific Knowledge: Extensive knowledge of Bank products, services, procedures, and practices; In-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with local business community is strongly preferred.

Training Requirements/Classes

• Annual compliance training
• New Employee Orientation

Physical Demands

• Must be able to effectively access and interpret information on computer screens, documents, reports. Requires a large amount of time in front of a computer. Can be done sitting or standing with use of the right desk.

Work Environment

• This position is in a private office.

Travel

• This position may require some travel from time to time.

Work Location

200 E Las Olas Blvd Fort Lauderdale, Florida 33301

Equal Opportunity Employer