Commercial Relationship Manager

Full-time - Senior

Hybrid - Rochester, NY

Credit Intermediation and Related Activities

About the position

The Commercial Relationship Manager is responsible for cultivating external relationships with centers of influence and business owners in the local community for mid to large clients. This position is responsible for developing and managing a portfolio of new and existing commercial clients and developing deposit and fee-based income relationships consistent with the Bank's strategic goals and objectives.

Responsibilities

• Works with business owners, management, or designated advisors in analyzing borrowers' financial and operating strategies to recommend credit solutions that meet their immediate and long-term capital needs.
• Proactively works to generate additional non-interest income through opening new deposit accounts, cash management products, merchant card services, insurance, wealth management, benefit programs and other financial services from prospects and existing customers.
• Networks within the community with Centers of Influence and provides guidance to teammates on individual strategies and tactics to enhance the Bank's business development efforts.
• Manages, maintains, and services a large loan portfolio that meets established lending requirements and maximizes profitability with acceptable risk.
• Maintains ongoing communication with customers to remain current on operating strategies and related capital needs and obtains updated financial information as needed.
• Reviews customer application documentation and financial data acting as first line of quality control prior to submitting to underwriting by utilizing knowledge of credit risk process and ensures that all relevant credit operating, and compliance policies and procedures are followed.
• Prepares clear and concise opportunity and/or transaction memorandums to be delivered with credit requests for approval.
• Participates and supports appropriate community and civic events to promote goodwill and obtain new business.
• Demonstrate the standards and principles of the Five Star Bank experience in every interaction with internal and external customers, associates, and stakeholders.
• Incorporate the high-performance behaviors of teamwork, leading by example, and service in every facet of work.

Requirements

• Education: Bachelor's Degree and 10+ years of commercial lending sales experience.
• OR Education: Associate Degree in Business, Accounting, or related field and 10+ years of commercial lending sales experience.
• Excellent verbal and written communication skills.
• Working knowledge of Microsoft Office applications with the ability to learn new and existing bank software.
• Highly motivated and sales oriented to promote, sell, and refer various bank and non-bank products and services.
• Analytical ability to interpret financial information and determine credit worthiness of borrowers and prospects.
• Knowledge of Commercial credit and underwriting policy and procedures.
• Local Market knowledge and the ability to develop, retain and expand relationships with Center of Influence.

Benefits

• Medical, Dental, and Vision Insurance
• Health Savings Account
• Flexible Spending Account(s)
• Company Paid Life Insurance, Long Term Disability, and Short Term Disability
• Voluntary Offerings: Life, Critical Illness/Specified Disease, Accident, Hospital Indemnity & Personal Accident
• Tuition Reimbursement
• Employee Referral Program
• Wellness Reimbursement Program
• Star Volunteer Program
• Employee Banking and Financial Perks
• Paid Time Off (PTO)
• Company Paid Holidays