Commercial Relationship Manager

CB&S Bank•Mountain Brook, AL

About The Position

The Commercial Relationship Manager manages and develops commercial loan accounts in accordance with established lending requirements, maximizing profitability while minimizing risk. The role contributes to the bank’s growth and profitability by building commercial relationships, servicing and expanding existing accounts, developing referral sources, and pursuing new loan, deposit, and Treasury Management business. The position analyzes loan applicants’ financial information and makes decisions within specified lending authority, presenting requests above that authority to the loan review committee. It monitors credit quality and loan portfolio performance, negotiates credit terms, supports timely renewals, and works with the Collection Manager on delinquent and matured accounts. The manager also supervises and trains lending and support staff, helps implement products and programs, participates in committees and special projects, and provides leadership and excellent service to internal and external customers. The role includes business development calls, participation in the bank’s officer call program, and involvement in community affairs. It requires travel to meet customers and bank personnel and the ability to work independently, communicate complex financial matters, and achieve goals for production, quality, growth, profitability, and business development.

Requirements

Bachelor’s degree from an accredited college, preferably with a concentration in accounting or finance, or equivalent business-related experience.
Two to three years of commercial and consumer lending experience.
Proven knowledge of loan policies and procedures.
Ability to work independently, establish priorities and procedures, and meet established goals.
Ability to motivate staff in sales.
Strong leadership, organizational, and verbal and written communication skills, including the ability to communicate complex issues.
Ability to analyze and summarize complex financial information, present it, communicate its contents, and recommend appropriate courses of action.
Ability to travel to various locations to meet with customers and bank personnel.
Strong business development, customer relations, and decision-making skills.

Nice To Haves

Supervisory experience.

Responsibilities

Promote bank products and services to existing and prospective commercial customers.
Service existing commercial loan accounts and expand customer relationships through cross-selling and referrals.
Assist with implementing new products and programs to improve customer service and stimulate growth.
Work toward assigned sales, service, and retention goals.
Directly supervise lending assistants, administrative assistants, and customer service representatives; evaluate performance, conduct counseling, train staff, and advise them on commercial lending policies and procedures.
Negotiate credit terms, including costs, repayment methods, and collateral specifications.
Monitor the credit quality of the loan portfolio and analyze credit reports, tax returns, financial statements, cash flows, and pricing.
Develop referral sources and make business development calls to existing and prospective customers; track calls and pipeline in the contact management system.
Notify customers of upcoming maturities, renewals, and other loan events, and obtain documentation needed for timely renewals.
Interview loan applicants, analyze financial information, and make loan decisions within assigned lending authority; submit requests above that authority to the loan review committee.
Service the assigned commercial loan portfolio in accordance with sound banking practices while maintaining profitability.
Participate in committees, the officer call program, community affairs, and assigned special programs or projects.
Implement plans to reduce past-due loans and non-earning assets to levels set by bank leadership.
Work with the Collection Manager to collect delinquent and matured accounts.
Promote effective communication among subordinates, superiors, customers, management, and department heads, and provide exceptional service to internal and external customers.
Pursue new deposit and Treasury Management opportunities in the assigned market.
Maintain working relationships with loan support staff, respond to inquiries or refer them to the appropriate person, and follow through with customers and staff.
Participate in Loan Committee meetings when appropriate and perform other duties assigned by the supervisor.