Corporate Banking Relationship Manager IV

About the role

Maximize share of wallet and product penetration by promoting and cross-selling products and services. Service, maintain, and develop new relationships to increase bank revenues and identify current and potential business opportunities. Manage a portfolio of high-quality, complex corporate relationships.

Responsibilities

• Handle complex commercial loans of all types, including Asset Based Loans (ABL), local participations (purchased and sold), insured receivables financing, EX-IM and other foreign risk mitigation, and owner-occupied real estate loans for companies generating over $30MM in revenue.
• Cross-sell other bank products to maximize customer relationships.
• Increase the Share of Wallet of customers to retain and engage them, enhancing their lifetime value.
• Actively participate in outside calling programs and networking events to promote the bank’s image as an active commercial lender and develop new business relationships.
• Refer business to other business units.
• Follow up and resolve outstanding exceptions.
• Exercise prudent judgment in authorizing overdrafts and uncollected funds.
• Make presentations to senior management and loan committee.
• Maintain active contact with the client base, meeting at least quarterly at their place of business.
• Maintain a current credit file in conjunction with credit services, ensuring contact memoranda are up to date and documenting the client’s current status.
• Support the bank’s CRA lending efforts.
• Participate as a board member on a non-profit organization.
• Assist junior officers in the department with the analysis and evaluation of credit relationships.
• Prepare packages for loan committee presentations.
• Communicate to customers and prospects the approval or denial of credit requests.
• Review depository activity of clients to ensure compliance with BSA.
• Ensure preventive measures are carried out to fully comply with current rules, regulations, and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC, and other AML-related issues.
• Identify, evaluate, monitor, and make recommendations to the Risk Management Committee to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations or nonconformance with laws, rules, regulations, prescribed practices, internal policies, and ethical standards.

Requirements

• Bachelor’s degree in business administration, banking, finance, or accounting.
• 10 years of experience as a commercial lending officer, managing complex and diversified lending relationships.
• Experience in asset-based lending and trade-related lending is required.
• Successful demonstrated track record of business development.

Skills

• Advanced MS Office Skills: MS Word, MS Excel, MS PowerPoint, MS Project Level II, and MS Visio Level I.
• Knowledge of banking regulations applicable to lending.
• Cash flow analysis.
• Team player with the ability to work under pressure, maintain a professional image, and resolve problems and conflicts.
• Ability to prioritize work, manage time effectively, and manage change.
• Advanced business communication skills: writing, listening, basic office and mathematics skills, and customer service.
• Professional skills: report writing, advanced statistics, effective presentation skills, creative skills, budgeting, ethics management, conducting effective meetings, and research assessment.
• Sales and negotiation skills.