Commercial Relationship Officer - Healthcare (junior)

Popular•New York, NY

30d•Hybrid

About The Position

We are currently seeking a junior HEALTHCARE COMMERCIAL RELATIONSHIP OFFICER to join our National Healthcare Commercial Banking team. In this position you will be responsible for the development and maintenance of credit and non-credit relationships with commercial customers, corporate accounts and potential customers while rendering quality service in accordance with bank goals to attain growth, profitability and customer satisfaction.

Requirements

Ability successfully complete and pass outside credit training.
Minimum two-year commitment to the Bank post-graduation of credit training.
Ability to research and analyze financial statements.
Complete knowledge of all commercial bank laws, bank products, services, policies and procedures as well as cost accounting, financial and statistical analysis, principles of commercial and consumer credit.
Ability to use various interpersonal styles and communication methods, depending on customer and situation, to gain their acceptance of a product or service.
Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.
Computer literate; fluency in Microsoft Office programs, Excel analysis required.
Effective sales ability and persuasiveness.
Effective oral and written communication skills.
Willingness to travel.
Strong interpersonal skills.
Ability to establish and maintain effective work relationships and contacts with professional and business organizations and develop teamwork with co-workers on other related units.
Strong problem-solving, negotiation & follow-up skills
Bachelor’s Degree in Business or related field combined with a minimum of 2 years of experience in commercial banking.
Applicants must be authorized to work for any employer in the United States. This position is not open to applicants who need visa sponsorship or transfer of visa sponsorship at this time.

Responsibilities

Work collaboratively with the existing team to perform annual reviews, portfolio management, modification memo’s, trend analysis of portfolio and overall general support of the group.
Research and create white papers on new lending segments and geographical areas of North America which will support the unit’s continued growth and profitability.
Manage customer relationships within the portfolio, as well as, developing the portfolio through increasing span of current relationships and searching new business through referrals and COI’s.
Visit with clients and prospective clients regularly, interview and analyze the financial structure of customers and prospects and recommend products or applicable services.
Prepare loan reports for revision and approval of immediate supervisors and all written reports on calls made to existing and prospective accounts.
Analyze financial statements, collateral, documents and process commercial loan application and make recommendations regarding credit request.
Develop and expand commercial relationships to drive profitability.
Review and analyze commercial loan reports, direct liability, non-performing and new loan requests.
Build effective relationships and trust with clients and potential clients by listening to and uncovering their needs and educating them about the bank products and services that are most appropriate for their situation.
Build effective relationships within the Bank to work collaboratively with different divisions to achieve various goals.
Adhere to general bank regulatory procedures including BSA/AML as it pertains to “know your customer.”
Pro-actively seek information from clients and prospective clients to understand possible changing situations, needs and desired benefits and evaluate product or service alternatives.
Establish and maintain thorough prospect file, review and access on a scheduled basis to present new products, services, rate promotions, campaigns, etc.
Apply newly gained knowledge, skill or technique to current work and share successes with other team members.
Keep updated on changes to banking environment, bank competition and customer's business environment.