Commercial Relationship Manager - Middle Market Banking

Primary Responsibilities

• Expand, manage, and optimize a portfolio of commercial clients.
• Lead and participate in acquisition and documentation of loan and deposit transactions.
• Cook credit applications and credit administration.
• Properly structure and price loan, deposit, and TM transactions/relationships.
• Present credit requests to senior management and/or the company’s Loan Committee for review and approval.
• Manage all aspects of client relationships consisting of the portfolio loans, deposits, and other products.
• Refer other traditional non-loan banking services to team members specializing in Wealth Management, Residential Mortgages, Treasury Management Services and appropriate banking opportunities to other departments and personnel.
• Respond to referrals from senior management and others.
• Actively participate in new business development programs and acquire new clients.
• Interview commercial loan and deposit applicants.
• Structure and analyze new and renewed loan requests and make loans within lending authority.
• Closely loans and new deposit relationships.
• Complete file documentation.
• Maintain compliance with loan policies and appropriate regulations.
• Work with credit to assign appropriate risk grades to loans and relationships.
• Collect past due loans, unless assigned to the centralized collectors.
• Handle customer service matters and inquiries for lending and non-lending issues.
• Send financial statements to the credit analysts for spreading and analysis.
• Monitor and evaluate the performance of direct reports.
• Provide informal training and guidance for less experienced lenders.
• Participate in community activities and organizations.
• Refer appropriate banking opportunities to other departments and personnel.
• Cross sell all company products and services.
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
• Responsible for upholding Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines.
• Understand and participate in the Bank’s Community Reinvestment Act program.
• Perform other duties as assigned.

Education / Experience

• Bachelor’s Degree in Business Administration, Economics, Finance, Mathematics or Statistics with a minimum of 12 semester hours of Accounting; Master’s Degree or MBA preferred.
• 10+ years of account relationship management experience.
• 10+ years of relationship management experience with the majority of the time spent in commercial lending and/or agriculture related lending activities preferred.
• Formal credit training
• 5+ years of relationship management experience around deposits and TM
• Formal credit training such as RMA, Omega CLB, or Regional or State Banking School preferred.
• Experience in structuring and pricing loan, deposit, and TM relationships.
• Must be proficient in Microsoft Office Suite and Excel and Word specifically.
• Must possess sales and leadership abilities.
• Must be able to work flexible hours.
• Must be bondable.

Sunflower Bank N.A Benefits

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more employee perks & incentives!