Primary Relationship Officer - Pearlridge Commercial Banking

Responsibilities

• Marks appropriate and profitable credit and non-credit products and services to existing and prospective bank clients
• Maintains ongoing dialogue with company management concerning the company’s strategy, position and prospects
• Builds relationships with existing referral sources and cultivates new referral sources both internally and externally
• Develops and executes a client relationship strategy plan to achieve win/win solutions for bank and client
• Regularly assesses and evaluates company management, its business operations and industry
• Completes / updates the Client Information Sheet
• Negotiates and provides needs-based solutions of credit and non-credit products & services to existing & prospective clients
• Regularly calls on clients and records in written memorandum the results of the call
• Provides the Commercial Credit Group with current and forward looking information to facilitate the completion of the Credit Write-up, quarterly Asset Quality Report, and annual reviews for stand-alone term loans or multi-year facilities
• Prepares formal written request for credit assistance in a timely manner in order to renew, cancel or restructure credit facilities
• Prepares and updates the Client Information Sheet as needed
• Prepares Risk Adjusted Return On Capital (RAROC) worksheet as needed
• Works in concert with the Commercial Credit Group as to type, amount, term & structure of credit that is appropriate to the client’s borrowing needs and financial capacity
• Ensures that Borrower and Transaction Risk Ratings are accurate at all times, and promptly changes risk rating to reflect changed conditions; responsible for ensuring that the system of records accurately reflects current risk ratings
• Facilitates the credit documentation and booking process with Bankoh Loan Center by negotiating documents with the client and obtaining client signatures

Qualifications

• Bachelor’s degree preferably in business or related area from an accredited institution, or equivalent work experience
• Commercial lending experience, preferred (see attached for years needed)
• Commercial credit experience as an Underwriter; Loan work out training and/or experience helpful
• Relevant product and service knowledge
• Sales or marketing experience with corporate/business relationship management experience
• Thorough understanding of all aspects for financial statements and their analysis including cash flow lending
• Demonstrated proficiency with personal computer and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software
• Knowledge of or ability to use Bank software and systems
• Well-developed analytical and problem solving skills
• Excellent writing, speaking, and presentation skills
• The ability to express complex ideas in concise and simple terms
• Possesses appropriate understanding of financial statements and their analysis, including cash flow lending
• Able to make critical decisions independently
• Possesses strong networking and business development skills
• Holds solid product knowledge and business acumen
• Able to build strong working relationships and partnerships across the organization with a collaborative and consultative approach
• Able to work flexible hours including holidays, weekends and evenings as needed or assigned
• Must be able to provide own transportation or to operate a vehicle with a valid driver’s license and commute as required
• Travels by air as required