Commercial Relationship Manager IV

Vantage Bank

13d

About The Position

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way. JOB SUMMARY The Commercial Relationship Manager IV is responsible for soliciting, negotiating, underwriting, and coordinating the closing of complex consumer, residential, equipment, SBA, commercial building and business loans in compliance with the Bank’s lending policies and procedures. They develop business checking and deposit relationships with customers and promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. They assist in attaining established Bank, region and branch goals through active participation in sales management and officer call programs. ESSENTIAL DUTIES The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

Requirements

Bachelor’s degree in Business or related field required.
15+ years of relevant experience and/or training OR a combination of education and equivalent experience. Prior experience should include a background in financial analysis or lending.
Advanced experience, knowledge, and training in lending activities and terminology along with financial statement and tax analysis typically resulting from a combination of education in accounting, financial and/ or credit analysis or related areas.
Advanced knowledge of commercial, construction, real estate and consumer loan processing.
Ability to lead less experienced loan officers and other staff members as assigned.
Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
Ability to develop marketing and business development skills with customers.
Basic knowledge of branch operation procedures, Bank products and services.
Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
Excellent organizational and time management skills, with the ability to provide leadership, supervision and training for 5 or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.
Intermediate knowledge of human resource and labor laws and policies.
Intermediate computer skills with knowledge of Microsoft Office including, but not limited to, Word, Excel, PowerPoint, and Outlook, the Windows environment, and internet research skills.
Intermediate typing skills to meet production needs of the position.
Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
Thorough understanding of management procedures with the ability to plan department or Bank functions, effectively staff department, direct and lead employees towards the desired objectives.
Ability to deal with complex problems involving multiple facets and variable in non-standardized situations.
Ability to work independently with no supervision while performing assigned duties.
Ability to always maintain a high degree of ethical standards and complete confidentiality.
BANK SECRECY ACT (BSA) All employees of Vantage Bank Texas, herein referenced to as the “Bank”, must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti Money Laundering and Office of Foreign Asset Control Policy.

Responsibilities

Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.
Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/ or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
Ensures that certification or deletion of collateral is made by the appropriate personnel.
Negotiates, underwrites and processes renewals of credit facilities.
Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
Represents Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
Reviews NSF and overdraft reports for customer assigned within his or her portfolio; approves and declines such exceptions within established lending limits.
Provides deposit and loan account ratings.
Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated.
Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
Assists in meeting annual deposit and loan growth goals assigned by Senior Management; participates in various internal committees assigned by Senior Management.
Provides leadership and training to less experienced loan officers and other staff members.
Assists Senior Management with developing, analyzing, and finalizing complex loan agreements with representatives of large businesses.
Responds to inquiries or refers to the appropriate department or person and exhibiting the necessary follow through with customer and/or staff involved.
Consistently applies superior decision-making techniques, approvals and requests as they apply to existing policies and procedures. Keeping within assigned approval limits and using these instances as learning tools for employee development.
Assumes responsibility for special projects; gathers data and prepares reports for Senior Management, audits and their personnel.
Processes, solves and answers complex customer transactions, problems or inquiries.
Operates computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority.
Answers telephones, answers question and directs callers to proper Bank personnel.
Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity to cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside action.
Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issues pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.
Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations, which include BSA, CIP, and OFAC requirements as they apply to this job title/ position.
Other duties as assigned.