Commercial Relationship Manager - Specialty Lending

About the position

As a Relationship Manager, you will own the client experience for commercial prospects, clients, and centers of influence. Through exceptional relationship building, qualification, and customization of solutions, you will develop, expand, and retain commercial relationships that will enable the team to achieve or exceed its financial and non-financial goals and objectives. You will ensure that Commercial Banking assets and liabilities are properly accounted for, serviced, and protected from loss or impairment in compliance with applicable laws, regulations, bank policies and sound banking practices.

Responsibilities

• Develop, maintain, and expand Commercial Banking relationships to grow sales, revenue, and market share with relevant sales goals.
• Source, retain and organically grow new relationships for prospects and clients with revenues generally greater than $25,000,000 whose credit needs are usually greater than $3,000,000.
• Possess knowledge of loan, deposit, and cash management products to provide ideas and insight based on an understanding of the customer's business model and growth needs.
• Analyze, structure, recommend and submit loans for approval to appropriate approving authority or loan committee.
• Act as primary banker and facilitator for all bank capabilities to a portfolio of commercial relationships, both credit and non-credit.
• Document and close approved loan requests in compliance with applicable laws, regulations, bank policies and sound banking practices.
• Review loan and deposit accounting system information and reports to ensure that assigned commercial banking assets and liabilities are set up and accounted for correctly.
• Support and empower Portfolio Managers as they monitor assigned loan portfolios on an ongoing basis for delinquency, document follow-up, covenant compliance, ongoing financial reporting, renewals, and additional information as required.
• Represent Firstrust in the Community by actively developing Referral Sources and Centers of Influence.
• Participate in not-for-profit associations and Boards of Directors.
• Assist in the development of new business for Firstrust.
• Be alert to expressed customer/prospect needs to suggest appropriate services.
• Direct customers to appropriate person to establish business relationships.
• Other duties as assigned.

Requirements

• Bachelor's degree in finance, Accounting or related business field is preferred.
• Participation in formal credit training preferred.
• Five (5) or more years of commercial lending experience required; proven sales record.
• Knowledge of and the ability to identify, engage and create opportunities in the market.
• Plan, strategize and target the right industries and create value propositions with impact.
• Ability to negotiate successfully across the organization and with customers in a constructive and collaborative manner.
• Sound knowledge of commercial lending practices, compliance issues, and underwriting skills.
• Excellent relationship skills with an optimistic, can-do-it approach.
• Strong analytical and critical thinking skills with the ability to exercise sound judgement and make decisions based on accurate and timely analysis.
• Proficient computer skills in Microsoft Office Word, Excel, and Outlook; Salesforce a plus.