Commercial Relationship Mgr - Greater Philadelphia Metro Area

Mid Penn Bank - Millersburg Branch•Malvern, PA

About The Position

Mid Penn Bank is seeking a Commercial Relationship Manager for the Greater Philadelphia Metropolitan Area. The role is responsible for meeting customer service and sales goals established in the Lending Division’s annual operating plan. The manager develops and oversees commercial and industrial loan relationships, which are typically among the bank’s largest and most complex, and supports business customers’ commercial service needs in accordance with company policies and procedures. The position solicits and develops business, maintains customer relationships, identifies cross-selling opportunities, and participates in the organization’s sales activities and community affairs. It evaluates loan applicants and requests, structures and negotiates credit terms, prepares loan packages, and manages loan closings, funding, credit quality, and portfolio administration. The role also supports compliance, risk management, fraud prevention, and the guidance and training of Commercial Loan Officers I and II. A related bachelor’s degree and specialized banking education and training are normally required, along with five to seven years of experience in related positions. A valid driver’s license is required. The position requires the ability to sit, stand, walk, bend, stoop, reach, manipulate or handle objects, and lift items weighing 20 pounds or less. Compensation is determined by factors including knowledge, skills, experience, credentials, and geographic location; no specific salary range is provided.

Requirements

A B.S. or B.A. degree in a related field is normally required.
Specialized banking education and training.
Five to seven years of experience in related positions is normally required.
Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal, communication, and sales skills.
Thorough knowledge of the features and benefits of the company’s commercial products and services.
Working knowledge of company operating policies and procedures that affect commercial services.
Technical skills sufficient to provide guidance and training to Commercial Loan Officer I and II employees.
Ability to sit, stand, walk, bend, stoop, reach with hands or arms, manipulate objects, handle or feel, and lift items weighing 20 pounds or less.
Visual, auditory, and speaking skills.
Valid driver’s license.
Must be authorized to work in the United States without current or future Mid Penn Bank work-visa sponsorship.

Responsibilities

Solicit business from current and prospective customers and maintain customer relationships to identify cross-selling opportunities.
Participate in the organization’s sales team and make group sales calls when beneficial for business development.
Use the Customer Relationship Management program to track sales and service activities and develop prospective opportunities in the office’s market area.
Participate in community affairs and civic committees to increase the company’s visibility and community involvement.
Maintain knowledge of commercial products and services to identify and address customer needs.
Help customers obtain specialized services from other departments and respond to inquiries or service problems.
Develop and manage commercial loan accounts that meet lending requirements and provide profitability with minimum risk.
Request credit reports, background checks, reference checks, and other information needed to evaluate loan applicants.
Compile loan packages, negotiate loan structures, ensure loan agreements are complete and accurate, facilitate timely closing and funding, and approve loans within established authority.
Maintain credit quality and portfolio administration within company guidelines, including participating in collection of delinquent accounts.
Follow internal policies, procedures, risk-management practices, and regulatory requirements; ensure office personnel adhere to them and complete assigned compliance training by its due date.
Incorporate risk awareness and prevention into daily work to protect the organization and customers against fraud.
Interview loan applicants and collect and analyze financial and related data to assess creditworthiness and loan merits; establish and negotiate credit terms, costs, repayment, and collateral requirements.
Monitor sales performance against objectives and discuss performance regularly with the appropriate supervisor.
Perform other supportive tasks that may be adjusted or redesigned according to individual circumstances.
Maintain regular and predictable attendance.