Commercial Relationship Manager

CB&S Bank•Birmingham, AL

About The Position

Manages and develops commercial loan accounts in accordance with established lending requirements while maximizing profitability and minimizing risk. Contributes to the bank’s growth and profitability through commercial relationships. The role includes managing a commercial loan portfolio, evaluating and making loan decisions within assigned lending authority, developing business, servicing customers, and supervising lending and support staff. The manager also supports sound portfolio quality, effective communication, and the bank’s community and industry presence.

Requirements

Bachelor’s degree from an accredited college, preferably concentrated in accounting or finance, or equivalent business-related experience.
Two to three years of commercial and consumer lending experience.
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 personal leadership, organizational, communication, business-development, customer-relations, and decision-making skills.
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.

Nice To Haves

Supervisory experience.

Responsibilities

Promote the features and benefits of 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, retention, production, quality, and growth goals.
Directly supervise lending assistants, administrative assistants, and customer service representatives; prepare annual performance reviews, conduct counseling sessions, and train staff.
Advise staff on commercial lending policies and procedures and develop their knowledge of bank products and services.
Negotiate credit terms, including costs, repayment methods, and collateral specifications.
Monitor 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 about upcoming loan maturities, renewals, and other loan events, and obtain documentation needed to complete renewals on time.
Interview loan applicants, analyze financial information, make loan decisions within lending authority, and present requests above that authority to the loan review committee.
Manage and service the assigned commercial loan portfolio according to 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, and work with the Collection Manager on delinquent and matured accounts.
Promote effective communication between staff and management and provide exceptional service to internal and external customers.
Pursue new deposit and Treasury Management opportunities in the assigned market.
Participate in Loan Committee meetings when appropriate, maintain strong working relationships with loan support staff, respond to inquiries or route them appropriately, and perform other duties assigned by the supervisor.