Commercial Relationship Manager II

First Interstate•Roseburg, OR

1d•Onsite

About The Position

This role serves as the Relationship Manager for new and existing complex clients and will be responsible for managing a portfolio with an average loan portfolio greater than $50MM up to $100MM and manages at least 35 bank relationships generating at least $1.5MM in revenue to the bank. The position establishes and maintains collaborative and strategic partnerships with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. It involves developing and growing new business and building/maintaining strong relationships with prospects, driving financial performance through profitable revenue and growth, and ensuring quality credit.

Requirements

Advanced credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis.
Knowledge of commercial lending policies, procedures, practices and documentation.
Proficiency with bank’s risk-rating system, credit products and underwriting policies; working knowledge structuring credit products for small and medium size business in diverse industries.
Ability to work effectively with individuals and groups across the company to manage customer relationships.
Excellent written and verbal communication and presentation skills.
Computer skills essential, including Word and Excel and Outlook.
Requires initiative and solid judgement.
Ability to prioritize work and remain adaptable under pressure.
Bachelor's Degree in Business, Finance or equivalent.
7-9 years in commercial lending or commercial credit underwriting; or the equivalent combination of education and experience.
Completed Credit Analyst training.
Experience with asset-based lending, capital structure finance and trade finance.

Nice To Haves

Experience with PowerPoint beneficial.

Responsibilities

Achieves individual annual production and growth goals for loan, deposits and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
Initiates and develops new business through outside business development activities.
Ensures ongoing contact with new clients to enhance client’s experience with First Interstate Bank.
Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.
Uses internal customer sourcing software to generate leads, track activities and make referrals to requisite business partners and bankers.
Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
Builds client referral pipeline via identification and development of internal and external center of influence.
Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products.
Proactively promotes bank products and services and keeps clients informed of financial solutions First Interstate Bank offers to meet their needs.
Assembles cross-functional team to quickly respond to customer requests when not able to address requests personally.
Knows when and how to bring in teams of experts, as well as identify cross-sell opportunities.
Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities; assures accurate risk assessment of assigned portfolio.
Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
Research and study industrial, commercial, economic and financial situations relating to existing and new business.
Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities, which includes keeping up to date on regulation changes and following all Bank policies and procedures, compliance regulations, and completes all required annual training.
May be asked to coach, mentor, or train others.
Contributes to strategic level discussions with members of the senior management leadership team.
Recognized as a Subject Matter Expert when difficult questions arise.
Provides practical, relevant ideas and perspectives on processes or process improvement.
Actively engages, demonstrates and fosters the First Interstate Bank Mission, Vision and Values by executing the Service Commitments.