Commercial Account Manager

Kawartha Financial Services•Otonabee-South Monaghan, ON

2d•CA$1,267 - CA$2,028•Remote

About The Position

We are looking for a candidate to provide excellent member service in the Northumberland, Peterborough, and Kawartha Lakes Regions. This role may be filled at different levels, the successful candidate will be placed accordingly based on their experience. As a Commercial Account Manager, you will apply relationship selling and relationship management principles and techniques to all Commercial members and prospects, providing complete financial solutions to meet all commercial and personal banking needs. You will be accountable for risk management of the commercial loan portfolio as well as the quality of information, analysis, profitability and credit recommendations in executing sales of credit/non-credit products and services to Commercial members and prospects. You will maintain an effective business development and community involvement strategy to protect and expand share of profitable Commercial business, utilizing an extensive network of referral resources. You will liaise with professional service providers such as Central 1, lawyers, real estate appraisers, credit reporting/collection agencies and insurers, as required. You will work co-operatively with all Credit Union branch or department personnel (e.g. Retail Banking, Wealth Management, Credential Financial) to identify opportunities to ensure members needs and expectations are profitably met and/or exceeded. You will retain and expand Commercial and Agricultural relationships to achieve portfolio retention, sales, service and profitability objectives and proactively develop relationships with new Commercial members. You will complete annual credit reviews in a timely manner according to policy, coordinating financial information requirements with the Commercial Administration Department; analyze information received to assess risk; develop action plans to minimize Credit Union exposure where appropriate. Identify commercial and retail opportunities. Review pricing and submit recommendation for renewal for approval. Visit clients on a regular basis (at least annually) to ensure loan security is protected.

Requirements

Business related University Degree/College Diploma, or appropriate combination of Business and lending related courses
5+ years of Commercial Real Estate (CRE), Hospitality and Construction experience
5+ years commercial lending experience
Able to be decisive and firm, while demonstrating empathy
Excellent oral and written communication skills
Negotiating skills
Excellent decision making and problem-solving skills
Excellent sales and service skills
Good organizational and time management skills
Must have a reliable vehicle as travelling is required of this position

Nice To Haves

Knowledge of the Credit Union system would be an asset

Responsibilities

Apply relationship selling and relationship management principles and techniques to all Commercial members and prospects, providing complete financial solutions to meet all commercial and personal banking needs.
Accountable for risk management of the commercial loan portfolio as well as the quality of information, analysis, profitability and credit recommendations in executing sales of credit/non-credit products and services to Commercial members and prospects.
Maintain an effective business development and community involvement strategy to protect and expand share of profitable Commercial business, utilizing an extensive network of referral resources.
Liaise with professional service providers such as Central 1, lawyers, real estate appraisers, credit reporting/collection agencies and insurers, as required.
Work co-operatively with all Credit Union branch or department personnel (e.g. Retail Banking, Wealth Management, Credential Financial) to identify opportunities to ensure members needs and expectations are profitably met and/or exceeded.
Retain and expand Commercial and Agricultural relationships to achieve portfolio retention, sales, service and profitability objectives and proactively develop relationships with new Commercial members.
Complete annual credit reviews in a timely manner according to policy, coordinating financial information requirements with the Commercial Administration Department.
Analyze information received to assess risk; develop action plans to minimize Credit Union exposure where appropriate.
Identify commercial and retail opportunities.
Review pricing and submit recommendation for renewal for approval.
Visit clients on a regular basis (at least annually) to ensure loan security is protected.