Business Lending Relationship Manager II

COMMUNITY STATE BANK OF ORBISONIA•Chambersburg, PA

59d•Onsite

About The Position

Community State Bank is an independent, locally managed bank focused on enriching lives and elevating communities. The Business Lending Relationship Manager II provides business loan, deposit, and cash management services to business customers, implements strategies aligned with the Bank’s annual operating plan, follows business-services policies and procedures, communicates with management and staff, and provides periodic reports. The role will generally manage a loan portfolio of $40 million or more. The position develops and maintains business relationships, pursues lending and deposit growth, retention, referrals, and asset-quality goals, and supports the Bank’s sales efforts. It serves business customers with lending, deposit, cash management, and other products; reviews loan applications and credit information; analyzes financial information to assess risk and pricing; and approves or rejects applications within individual lending authority. It also manages cash management product implementation and ongoing administration, addresses minor delinquencies, and assists with workouts or collections as needed. The role requires knowledge of bank products, operating policies, regulatory requirements, and special loan initiatives. It may represent the Bank at sales and trade meetings and is encouraged to participate in community events, volunteer initiatives, and networking activities. The position is located at the Chambersburg LPO in Chambersburg, Pennsylvania.

Requirements

Bachelor of Science or Bachelor of Arts degree in a business-related field normally required.
Specialized business lending education and training.
Specialized cash management education or training.
At least five years of experience in related lending positions is normally required.
Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal, communication, and sales skills.
Thorough knowledge of the features and benefits of Bank products and services.
Working knowledge of Bank operating policies and procedures.
Thorough knowledge of bank regulatory requirements relating to business lending.
Proficient technology skills.
Visual and auditory skills.
Valid driver’s license.

Responsibilities

Solicit new business from current and prospective customers and maintain customer relationships to identify cross-selling opportunities.
Work toward annual loan and deposit growth, retention, referral, and asset-quality goals.
Participate in the Bank’s sales team and make group sales calls when useful for business development.
Monitor sales performance against objectives and discuss performance with an appropriate supervisor.
Source prospects and referrals to other departments to support growth goals.
Maintain knowledge of Bank products and services and identify appropriate offerings for customer needs.
Maintain working knowledge of Bank operating policies and procedures affecting business lending and services.
Provide business customers with deposit, loan, and other products and services, and approve or reject loan applications within individual lending authority.
Conduct loan interviews, counsel prospective borrowers on loan requirements and Bank lending policies, and review applications and credit investigation information.
Analyze business and personal financial information to assess risk and determine pricing.
Manage cash management product installation, implementation, maintenance, and training.
Coordinate cash management product file-limit approvals and recommendations for risk assessment, issuance, renewal, increase, decrease, or termination.
Work minor delinquencies to keep loans under 30 days past due.
Assist the Resource Recovery Department with workouts or collections when requested or required by the Credit Administration Manager.
Maintain proficient knowledge of special loan initiatives, including SBA, PPP, FHLB, BOB, and USDA Guarantee Program initiatives.
Attend sales and trade meetings as a Bank representative when appropriate to develop business and gather leads and information.
Participate in bank-sponsored community events, volunteer initiatives, networking events, and activities that build referral relationships and promote Bank services.
Implement strategies aligned with the Bank’s annual operating plan, comply with applicable policies and procedures, communicate with management and staff, and provide periodic reports.
Generally manage a loan portfolio of $40 million or more.