Middle Market Banking - Relationship Manager II

About the role

The Commercial and Specialty Banking Relationship Manager II position requires connecting with people quickly in an outgoing, friendly manner. Key responsibilities include reviewing clients' credit needs, designing solutions, negotiating credit terms, and managing the portfolio of clients. This role involves selling ideas to others, training, teaching, and motivating a team, and handling relationships with clients over $2 million in credit exposure and over $25,000 in fee income.

Responsibilities

• Review clients' credit needs and design solutions
• Negotiate credit terms and loan repayment methods
• Manage existing portfolio of clients and monitor compliance with credit standards
• Update financials, maintain insurance on bank collateral, and review loans for accurate grades
• Provide financial advice and counsel to clients and prospective clients
• Review loan documents to ensure compliance with the Loan Policy and banking laws and regulations
• Maintain compliance with all Federal and State regulations, including laws, rules, and regulations dealing with safety and soundness, consumer protection, and privacy and non-discrimination
• Build a great rapport with clients and fellow associates
• Treat others with respect and consideration regardless of their status or position

Requirements

• Bachelor’s degree in business, finance or related field or combination of education and work experience
• 7+ years of relevant experience
• Good managerial, communication, and sales skills
• Strong communication and sales skills
• Strong business development skills and an overall understanding of credit and business finance
• Strong networking skills and participation in networking events in the market area
• Competent in the operation of standard office equipment including computer, fax, ten (10) key calculator and phone
• Competent in the use of standard office software including Microsoft Outlook, Excel and Word
• Solid knowledge of banking policies, regulations and compliance issues
• Solid ability to analyze financial statements
• Strong interpersonal skills with the ability to build peer and/or team cohesiveness to deliver the full complement of bank products and services
• Self-directed and motivated to accomplish tasks, meet objectives and committed timelines
• Strong oral and written communication skills with the ability to clearly and concisely articulate issues

Desired Qualifications

• MBA or master’s degree in business, finance or related field or combination of education and work experience
• 7+ years of Commercial or Specialty experience
• 7+ years of commercial credit experience
• Completed formal credit training program

Skills and Abilities

• Strong business development skills as well as an overall understanding of credit and business finance
• Strong networking skills and participation in networking events in the market area
• Competent in the operation of standard office equipment including computer, fax, ten (10) key calculator and phone
• Competent in the use of standard office software including Microsoft Outlook, Excel and Word
• Solid knowledge of banking policies, regulations and compliance issues
• Solid ability to analyze financial statements
• Strong communication and sales skills

Work Environment

This role requires working at a rapid pace for long periods of time (typically no longer than 8 hours). Associates may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead. Extended hours and travel may be necessary.

Benefits

• Insurance
• 401k
• Associate stock purchase program
• Paid time off
• Associate banking perks