Relationship Manager III - CRE Healthcare Banking

Essential Functions/Responsibilities

• Develops new and expands existing client relationships by participating in business development activities, proactively reviewing client’s current and changing financial needs, and promoting products and services.
• Aggressively grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develops a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data.
• Analyzes personal and financial data to deepen current, profitable client relationships.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares or oversees the completion of the loan approval form, including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank.
• Obtains appropriate approval for credit under consideration.
• Establishes and negotiates the terms under which the credit will be extended to include pricing, fees, costs, repayment method and schedule, collateral requirements, etc.
• Responsible for the credit quality which includes past due credits, non performing and credit exceptions of their active portfolio.
• Actively participates and represents First Financial Bank in various community, civic and professional organizations.
• Maintains the performance of the borrower over the life of the loan. Recognizes developing problems and brings them to the attention of management. For troubled credits, assists in developing a strategy to return the credit to a pass rating or exit strategy.
• Refers loans to loan committee for approval.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• 5+ years of relationship/account management experience selling banking products in the appropriate segmentation required.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Generating new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Able to work effectively with individuals and groups in managing customer relationships.
• Undergraduate degree required; Accounting or Finance preferred.
• Credit training, credit quality and underwriting fundamentals experience; including financial analysis required.