Commercial Rel Mgr-Sr
About The Position
The Commercial Relationship Manager III is responsible for building and servicing a sound and profitable portfolio of commercial business relationships and loans. This role focuses on satisfying and exceeding customer needs and expectations, while adhering to credit and regulatory requirements for originating and structuring Commercial loans. The position involves originating, monitoring, and renewing loan relationships consistent with the bank’s policies and procedures. The Commercial Relationship Manager serves as the primary point of contact for determining customer needs and meeting them through the seamless delivery of the bank's products, services, and associated resources. This role is assigned a minimum sales goal of $100MM and a minimum portfolio of $60MM in commitments. The individual will work with the most sophisticated customers and on the most complex deal structures, and has the capacity to mentor more junior Relationship Managers.
Requirements
- Four-year college degree in Finance/Accounting/Economics
- 8+ years of commercial lending experience
Nice To Haves
- Prior experience in negotiating, structuring, and closing complex commercial loan transactions.
- Strong analytical and credit skills.
- A high level of interpersonal and sales skills are necessary to compete effectively, present proposals to client, and recommend loan transactions to bank senior management.
- Thorough knowledge of various software programs including Word and Excel, and the ability to quickly learn additional systems/software.
- MBA in Finance or Accounting
- 12+ years of middle market lending experience
- Thorough knowledge of underwriting guidelines
- Prior experience underwriting complex commercial credits
- Legal documentation experience
- Knowledge of SBA and other similar government guarantee programs
- Strong analytical, interpersonal and organizational skills
- Highly developed oral and written communications and presentation skills
Responsibilities
- Originate, analyze, structure and close profitable loan transactions.
- Participate with more senior Relationship Managers on larger loans, and stay informed regarding the status of loans in the department.
- Maintain and confirm credit worthiness of customers.
- Gather, review and track appropriate documentation from applicants.
- Make decisions on loans and terms if within own lending limits.
- Participate in the underwriting of loan requests for new and existing customers.
- Serve existing accounts, review quarterly, semi-annual and annual findings for compliance and credit determination.
- Recognize issues; early problem recognition, remedial management and appropriate coordination with workout is an important part of on-going portfolio management.
- Engage and provide direction to stakeholders including attorneys, accountants, consultants, appraisers, title companies, and necessary government agencies to ensure successful transactions.
- Provide guidance and direction to bank’s internal support personnel to ensure proper and accurate completion of loan transactions and day to day operational requirements.
- Promote and cross-sell other bank products and services as appropriate to customer requirements.
- Cross-sell banking services including business checking and treasury management products, and refer business or property owners to the branches for consumer deposit and loan products.
- Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment.
- Performs all other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
