Commercial Banking Relationship Manager

NBT Bank • Williamsville, NY

2d • $111,267 - $148,371

About The Position

The Commercial Banking Relationship Manager is responsible for new business development, evaluating loan applications, and maintaining a commercial loan portfolio and customer relationships. The role analyzes borrower financial information and creditworthiness, makes recommendations to higher approval authority, and ensures compliance with bank policies and applicable federal and state commercial lending regulations. The Relationship Manager handles most relationships except the largest and most complex, and seeks guidance from more experienced lending officers on complex relationships and throughout underwriting, approval, and closing.

Requirements

• Four-year degree or related experience.
• Five to seven years of lending experience.
• Strong accounting and credit analysis background.
• Strong oral, written, and listening skills.
• Ability to attain or exceed goals.
• Strong management and leadership skills.
• Valid driver's license.
• Reliable transportation.
• Ability to travel less than 50%.

Responsibilities

• Develop a portfolio through new business development, handling relationships with borrowing, depository, and trust needs, except for the largest and most complex relationships.
• Maintain awareness of and comply with bank policies and federal and state regulations affecting commercial lending.
• Evaluate loan applications and recommend approval to higher authority after analyzing borrower capacity, financial data, industry trends, collateral position, management ability, and creditworthiness.
• Maintain and service a loan portfolio, gather financial data on time, maintain customer contact, and document borrower status through file write-ups.
• Seek advice and guidance from more experienced lending officers throughout loan underwriting, approval, and closing.
• Perform other duties as assigned.

Benefits

• At least 22 days of paid time off annually for full-time employees, prorated in the year of hire.
• Six weeks of paid parental leave at 100% of salary.
• Medical coverage, including employer HSA contributions for eligible High Deductible Health Plan participants.
• Dental and vision coverage.
• Flexible spending accounts for healthcare and dependent care.
• Employer-paid short-term and long-term disability coverage, with an option to purchase additional long-term coverage.
• Employer-paid basic life insurance, with an option to purchase supplemental coverage.
• Voluntary hospital, accident, and critical illness coverage.
• 401(k) plan with employer matching, optional Roth 401(k), and a pension plan.
• Adoption assistance.
• Tuition reimbursement.
• Employee Assistance Program.
• Pet insurance.
• Banking services benefits and financial planning assistance.
• Paid sick and safe leave for part-time employees.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level