Commercial Relationship Manager

United Community Bank•Cleveland, TN

About The Position

Responsible for generating and managing a wide variety of businesses with annual sales above $5 million. The size and complexity of these companies require analytical training and experience to communicate with business owners and executives, including CEOs, CFOs, and business controllers. The role develops and manages commercial business relationships through lending, deposit account acquisition, cash management sales, and cross-selling other bank services. It also provides guidance to credit analysts and/or portfolio managers and promotes the bank in the community. This full-time position may involve supervising employees, including coaching, development, and performance management. It requires schedule flexibility to work evenings and weekends as needed, and up to 20% travel. The work environment is described as a location in the United Footprint.

Requirements

Minimum three years of banking experience in credit analysis or lending.
Ability to analyze complex financial statements or completion of a commercial analyst training program.
Effective sales and negotiation skills.
Excellent verbal and written communication skills.
Strong customer service skills.
Ability to work independently and as part of a team.
Self-motivated and takes initiative.
Proficient in Microsoft programs.
Must pass a criminal background and credit check.

Nice To Haves

Bachelor’s degree in business, economics, finance, or accounting, or an equivalent combination of education and experience.

Responsibilities

Manage and retain profitable client relationships.
Develop new business through active calling on clients and prospects.
Develop and maintain a strong network of centers of influence (COIs).
Use Vertical IQ, Business Browser, or other available tools to research and develop leads.
Manage individual production against assigned goals.
Recommend loan structures, terms, and rates for loans being underwritten.
Provide guidance to credit analysts.
Manage the loan closing process, including preparing term sheets and commitment letters and communicating with attorneys, appraisers, and related professionals.
Ensure adherence to company loan policies and procedures.
Evaluate risk to meet profitability standards.
Participate actively in community activities or events, such as Chamber, Kiwanis, or Rotary.
Perform quarterly check-ins and maintain an effective management plan consisting of goals for staff, if applicable.
Coach, develop, and manage the performance of employees, if applicable.
Participate in required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, seminars, and conferences.