Commercial Banking Relationship Manager

Nicolet National Bank•Iowa City, IA

About The Position

The Commercial Banking Relationship Manager administers and supports Commercial Lending activities to help accomplish commercial banking goals and objectives. The role develops and maintains secured and unsecured commercial loan accounts that meet lending requirements while providing profitability to the bank at minimum risk. It also develops new loan relationships through referrals and individual sales efforts. The Relationship Manager attends to customer and prospect borrowing needs, performs preliminary credit analysis, prepares credit reports and approval materials, and makes or recommends lending decisions within applicable authority. The role manages an ongoing loan portfolio, supports loan documentation and closing, assists with SBA and 504 loan processes, and develops business through customer and prospect outreach and cross-selling. It also directs administrative staff work activity, participates in community affairs, stays current on lending regulations and economic trends, and supports compliance and the bank’s equal employment and inclusion policies.

Requirements

Bachelor’s degree in business administration or finance.
3–5 years of experience in commercial lending, real estate lending, financial statement analysis, and credit administration.
Knowledge of PCs, phone systems, and general office equipment.
Ability to maintain strict confidentiality.
Solid judgment and decision-making skills.
Effective verbal and written communication and interpersonal skills.

Responsibilities

Address the needs of customer relationships and prospects seeking loans or lines of credit with varying levels of underwriting risk.
Complete preliminary credit analysis; prepare credit reports, short-form approvals, and problem loan reports for the Senior Loan Officer.
Make loan and terms decisions within lending limits or recommend decisions to Senior Lending Officers.
Prepare credits and present them at Loan Committee Meetings.
Assist with the 504 and SBA 7(a) loan process, including coordinating with the CDC firm and customer, working with title companies on construction projects, and helping the SBA Specialist compile loan packages.
Work with Loan Officers and Administrative Assistants on loan document preparation and closings.
Manage the loan portfolio within approved terms and bank lending policy, updating Asset Quality Report comments as needed.
Provide customers with business management and financial feedback, as appropriate and within the role’s expertise.
Develop new business by calling on prospects and customers for commercial loans, emphasizing cross-selling bank products and services to establish complete banking relationships.
Manage the ongoing portfolio, including past-due accounts, collateral exceptions, renewals, overdraft reviews and account management, and collection activities when necessary.
Collect and analyze information about customers’ and prospects’ current financial positions and use the analysis to recommend credit structures and, when appropriate, close credit relationships.
Participate in community affairs to contribute expertise, understand business-community needs, increase the Bank’s visibility, and enhance business opportunities.
Direct and manage administrative staff work activity, including staffing, performance appraisals, promotions, salary recommendations, and terminations.
Keep abreast of commercial lending regulations, policies, procedures, and general economic trends.
Maintain appropriate controls and comply with applicable laws and regulations in accordance with Nicolet’s philosophy and policies.
Communicate the value of workplace diversity and work successfully with others without regard to non-job-related classifications; support equal employment, non-discrimination, inclusion, and respect for different perspectives.
Perform other duties as assigned.