Commercial Relationship Manager

COGENT BANK•Bradenton, FL

32d

About The Position

The Commercial Relationship Manager is responsible for creating, developing, and managing banking relationships; originating commercial loans and developing deposit relationships; and ensuring exceptional client service while maximizing the profitability of client relationships and minimizing risk.

Requirements

Bachelor's Degree (BA, BS, etc.) in Business, Accounting, Finance, or a related field preferred.
Minimum of Five (5) years of credit and/or commercial loan experience.
Exhibits effective sales and customer service practices.
Has a firm grasp on relevant legal issues and other necessary information.
Maintains confidentiality of customer and employee information.
Self-starter and able to work independently.
Displays a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
Must be able to make sound decisions.
Ability to recognize potential problems and take corrective action.
Flexible to adapt to changing business priorities.
Good interpersonal skills and communication with all levels of management.
Able to multitask, prioritize, and manage time efficiently.
Excellent verbal and written communication skills.

Responsibilities

Develops new depository and loan customer relationships with prospective clients through an organized and consultative approach.
Actively manages and maintains existing clients by independently monitoring their financial condition and business aspects, and responding to their daily and long-term banking needs with minimal oversight.
Manages and expands existing portfolio by overseeing credit renewals, resolving problems, and cross-selling other products with the assistance of product specialists.
Meets with centers of influence, business brokers, CPAs, attorneys, real estate agents, business owners, senior executives, and others to evaluate and analyze their financial and business needs, and to provide expert advice to prospective clients.
Develops a clear understanding of current and potential customers and their business strategies, loan purpose, risk assessments and mitigation of risk, and indicated repayment sources through financial statements and asset evaluation.
Makes independent threshold determinations regarding the creditworthiness of prospective clients.
Assesses independently the risks of proposed and existing loans based on multiple considerations, including the nature of the customers’ business, their financial history, collateral sufficiency, future earnings potential, total Bank obligation, expected cash flow, and other pertinent factors.
Reviews, analyzes, and interprets financial statements, accounting papers, income tax returns, Bank policies, and governmental regulations.
Scrutinizes customer and potential customer information for evidence of irregularities, discrepancies, and fraud.
Structures and proposes credits; negotiates, within guidelines, credit pricing, terms, and structures.
Facilitates resolution of the credit approval process.
Monitors loan repayment activities and takes necessary action to collect from past-due accounts.
Maintains comprehensive knowledge of the bank’s products, services, and credit standards, and trends in commercial banking pricing and products.
Keeps abreast of local and national economic, financial, political, and legislative events and climates that could impact corporate and commercial lending activities.
Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development.
Ensures BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
Performs other tasks, responsibilities, or duties as directed by management.