VP/Commercial Relationship Officer

Job Duties And Responsibilities

• Contribute to achieving market sales goals through developing and strengthening relationships with business clients and prospects through proactive calling, networking, and community involvement.
• Lead the origination, underwriting, and documentation process for commercial loans.
• Analyze financial statements, cash-flow trends, and operational patterns to recommend integrated credit and funding strategies.
• Partner with Treasury Solutions officers to drive operating account growth to ensure deposit and treasury opportunities are captured.
• Serve as the strategic lead for your client relationships by anticipating needs, identifying opportunities, engaging the right internal partners, and driving solutions that deepen the relationship and expand wallet share.
• Develop and maintain in-depth knowledge of Firstar’s products and services, as well as knowledge of competitors and competitive products.
• Proactively promote bank products and services.
• Actively manage portfolio performance and profitability, including credit quality, cross-sell penetration, and deposit retention while also utilizing methods of collection under terms of the contract, depending on the feasibility and applicability of each case.
• Work Technical Exceptions (TE) to ensure that Firstar’s security interests are perfected in a timely manner.
• Maintain positive relations with all customers, discussing sensitive personal financial circumstances in a frank, yet tactful manner.
• Provide mentorship to less experienced team members to support their development and overall success.
• Represent the bank as a leader in community and industry organizations to leverage local market networks to promote the bank’s brand and develop centers of influence to identify, prospect, and pursue business opportunities.
• Understand and comply with Firstar Bank policies, laws, regulations, and the bank’s BSA/AML Program, as applicable to job duties. This includes but is not limited to completing annual compliance training and adhering to internal procedures and controls; reporting any known violations of compliance policy, laws, or regulations; and reporting any suspicious customer and/or account activity.
• Perform additional responsibilities as assigned in support of the Bank’s priorities and objectives.

TRID/Construction Loans Review

• Review construction documentation for completeness and accuracy.
• Review and manage draw process including budget cost overruns and project schedule delays, and the approval and disbursement of draw requests to ensure loans are not overfunded.
• Develop a direct relationship with the borrower and ensure that relationships are being retained even after loan pays off.
• Identify and contribute to the resolution of construction issues that arise during the construction process. Escalate issues as necessary before they become a problem.
• Handle other construction monitoring related duties as needed.