SVP, Relationship Manager

Enterprise Bank & Trust•Phoenix, AZ

About The Position

The SVP, Relationship Manager develops and manages new commercial deposit and loan accounts and client relationships while enhancing existing relationships. The role proactively provides financial solutions to existing and prospective clients, grows the bank’s deposit base through various products, develops sound and profitable business relationships, assesses credit, meets customer needs, and complies with regulatory requirements. The position also serves as a mentor to other relationship managers and could evolve into a management or team leader role. The position identifies deposit-driven commercial relationships and presents solutions using treasury management, wealth products, and other services. It manages commercial relationships by interviewing applicants, obtaining financial data, assessing credit risk, approving loans within assigned authority, and recommending or presenting credits that exceed that authority. It also monitors existing loans for conformity to terms and conditions, assists other lending officers with larger and more complex credits, monitors market conditions and competitor impact, and maintains knowledge of commercial products to support cross-selling and the client experience. The role may include managing other associates. The position requires sound business discretion, judgment, problem-solving, analytical and decision-making skills, strong communication and interpersonal skills, and the ability to work independently and as part of a team. The employer describes opportunities for professional growth and provides annual paid volunteer time off and charitable-matching opportunities.

Requirements

Demonstrated skills in commercial credit underwriting, business development, and portfolio management for mid-sized companies.
Seven or more years of commercial lending experience preferred; the education and experience section also specifies a minimum of seven years of related commercial banking experience and/or training.
Excellent communication, presentation, and tactful interpersonal skills.
Strong people skills to work within a team environment and develop and retain client relationships.
Proven ability to cross-sell banking products, including loans, deposits, and treasury management.
Self-motivated, able to work independently, and willing to take ownership.
Effective time management and organizational skills.
Attentive to detail and accurate when analyzing financial statements and preparing credit packages for formal approval.
Sound business discretion, good judgment, and excellent problem-solving skills.
Basic knowledge of personal computer hardware and software, including MS Word and Excel.
Strong working knowledge of banking regulations, compliance standards, market trends, and products.
Superior analytical and decision-making skills based on thoughtful risk assessment.
Bachelor’s degree in Finance or Business with an emphasis in financial banking preferred; the education section specifies a bachelor’s degree from a four-year college or university.

Nice To Haves

Bachelor’s degree in Finance or Business with an emphasis in financial banking is preferred.
Seven or more years of commercial lending experience is preferred.

Responsibilities

Identify deposit-driven commercial relationships and present solutions using treasury management, wealth products, and other services.
Develop and manage new commercial deposit and loan accounts and client relationships, while enhancing existing relationships.
Interview applicants and obtain pertinent financial data to manage and service commercial relationships.
Analyze financial information and determine whether a credit is an acceptable risk.
Approve loans within assigned lending authority and company policies and procedures.
Recommend credits outside lending authority to the next level or present them to the Loan Committee in accordance with established procedures.
Monitor existing loans for conformity to terms and conditions.
Participate with and assist other lending officers on larger, more complex credits.
Monitor market conditions and competitor impact, and recommend ways to maintain a competitive and profitable product line.
Maintain comprehensive knowledge of commercial loans, treasury management, trade service products, and deposits to facilitate cross-selling and enhance the client experience.
Increase the bank’s deposit base, develop profitable business relationships, and meet customer needs while complying with regulatory requirements.
Mentor other relationship managers; may manage other associates.
Use sound business discretion and judgment and apply problem-solving, analytical, and decision-making skills.