Commercial Relationship Officer (Equipment Leasing)

Popular•Miami Lakes, PR

17d•Hybrid

About The Position

PEF Commercial Banking NY We are currently seeking a seasoned Commercial Relationship Officer with a strong equipment leasing background to join our team. In this position you will be responsible for the development and maintenance of credit and non-credit relationships with commercial customers , vendor partners and potential customers while rendering quality service in accordance with bank goals to attain growth, profitability and customer satisfaction. In this position, you will: Manage customer relationships to develop and grow a portfolio as well as searching for new business opportunities through market penetration, referrals and COIs. Visit with clients and prospective clients regularly to review projects and CAPX spend, interview and analyze the financial structure of customers/prospects and recommend products or applicable services. Analyze financial statements, collateral, documents and process commercial lease proposals and make recommendations regarding credit request. Build effective relationships and trust with clients and potential clients by listening to and uncovering their needs and educating them about equipment leasing products and services that are most appropriate for their situation. Build effective relationships within the Bank to work collaboratively with various 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.

Requirements

Bachelor’s Degree in Business or related field combined with a minimum of 3 years of experience in commercial credit.
COIs within the equipment leasing.
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, and principles of commercial and consumer credit.
Ability to use various interpersonal styles and communication methods, depending on customer and situation, to gain 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, Salesforce, and Precision Lender.
Ability to establish and maintain effective work relationships and contacts with professional and business organizations, and develop teamwork with co-workers in other related units.
Effective sales ability and persuasiveness.
Strong problem-solving, negotiation, and follow-up skills.
Effective oral and written communication skills.
Willingness to travel.
Strong interpersonal skills.

Responsibilities

Manage customer relationships to develop and grow a portfolio as well as searching for new business opportunities through market penetration, referrals and COIs.
Visit with clients and prospective clients regularly to review projects and CAPX spend, interview and analyze the financial structure of customers/prospects and recommend products or applicable services.
Analyze financial statements, collateral, documents and process commercial lease proposals and make recommendations regarding credit request.
Build effective relationships and trust with clients and potential clients by listening to and uncovering their needs and educating them about equipment leasing products and services that are most appropriate for their situation.
Build effective relationships within the Bank to work collaboratively with various 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.