Relationship Mgr II - Commercial
About The Position
The Relationship Manager II – Commercial Banking delivers financial products and services and services commercial loans for middle-market privately owned businesses. The role requires strong knowledge of commercial underwriting approval processes and thorough familiarity with Wealth Management products, Treasury Services, deposit offerings, and other bank services. The Relationship Manager manages portfolios that include larger, more profitable customer relationships. The position involves developing new business, managing and monitoring credit relationships, and partnering with credit teams through approval, documentation, and booking. It also includes analyzing credit requests and financial information, preparing loan commitments and reports, managing delinquencies and document exceptions, and determining appropriate actions for wire transfers. The team emphasizes camaraderie, shared decision-making, mutual respect, open communication, community outreach, relationship-building through expertise and sound advice, and employee career growth.
Requirements
- Bachelor’s degree and 3–5 years of experience in a commercial lending environment, or 9–11 years of equivalent experience.
- Extensive knowledge and understanding of commercial lending practices, loan documentation, and loan servicing requirements.
- Advanced knowledge of accounting principles and practices.
- Demonstrated capacity to sell products and services within the financial services industry.
- Advanced understanding of credit underwriting, documentation, loan policy, and regulations.
- Advanced knowledge of financial analysis, including ratio and trend analysis and projections.
- Specialized knowledge of specific markets to serve defined territories.
- Thorough knowledge of Wealth Management and Treasury Services products.
- Ability and knowledge to sell the entirety of the bank.
- Excellent communication skills, including preparing and delivering persuasive oral and written reports and presentations.
- Good PC skills, including knowledge of word processing and spreadsheet applications.
Responsibilities
- Prospect, network, develop new business, and cross-sell the bank’s services.
- Participate in community and professional activities to enhance the bank’s image and expand business contacts.
- Partner with credit on approval, documentation, and booking processes.
- Analyze and evaluate credit requests, write loan commitments, recommend risk ratings, and issue declinations.
- Monitor and manage existing credit relationships, including credit renewals, analysis of financial statements and collateral valuations, cash flow analysis, delinquencies, and document exceptions.
- Compile reporting to monitor assets, credit quality, and compliance with policy and regulations.
- Determine appropriate action for wire transfers.
Benefits
- Training and development to support employees’ long-term careers.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
