Senior Commercial Relationship Manager

SOUTH ATLANTIC BANK•Charleston, SC

1d•Onsite

About The Position

Develops new commercial deposit and loan relationships and manages a commercial portfolio greater than $50 million. Sales efforts are to include cross-selling ancillary products and services of the Bank in an effort to maximize the profitability of each relationship. Ability to analyze, underwrite, and provide written support of each credit with a loan recommendation. Approve loan requests within loan authority following the Bank’s underwriting standards and regulatory compliance and work with loan administration on larger and/or more complex credits. Plan and develop objectives to meet corporate goals while adhering to the credit culture of the Bank.

Requirements

Bachelor’s degree with emphasis on finance, accounting, economics or business administration with 10 or more years’ commercial lending experience or high school diploma or equivalent with at least 14 years commercial lending experience
In-depth understanding of the loan administration and compliance process in a commercial bank.
Working knowledge of bank operations and branch administration
In-depth knowledge of fair lending legislation
Business development experience and strong communication skills
Ability to analyze credit, underwrite a commercial loan and make a credit recommendation

Nice To Haves

Graduation from an accredited school of banking is an asset
Commercial construction loan experience is preferred

Responsibilities

Proactively builds relationships with current and prospective commercial and small business customers to understand business needs and make appropriate recommendations for banking products and services.
Adheres to the Bank's credit underwriting standards and procedures.
Approves loan requests and decides loan terms within lending officers' authority, subject to Loan Committee approval standards.
Attends to the needs of present and potential customers seeking loans that may involve unsecured funds and/or credit secured by mortgages or other collateral.
Interviews applicants to gather information concerning their businesses, needs, desires, abilities and earnings to determine whether a loan may be an acceptable risk.
Introduces customers to other lines of business including merchant services, treasury, cash management, mortgage and wealth management as needs are identified.
Obtains and analyzes financial data and provides service on approved lines of credit, equipment financing loans, commercial construction loans, etc.
Reviews loan packages and credit files on commercial requests, as it relates to Bank policies and procedures.
Participates in credit training and development for Bank lenders based on corporate goals.
Uses judgement, discretion, and experience to plan and accomplish goals
Ensures loan compliance and adheres to lending related policy and procedures manuals.
Performs other duties and special projects as assigned.