NB1581 - Commercial Relationship Manager

Northfield Bank•New York, NY

105d•$130,000 - $180,000•Onsite

About The Position

We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being “locally grown,” and credits our strength to our dedication to our customers and the communities that we serve. Responsible for expanding the Bank's commercial mortgage and small business loan portfolio by managing and growing profitable commercial lending relationships. Responsible for prospecting for new business and obtaining information from prospects on which lending decisions are made. Has significant lending authority and handles more complex loans.

Requirements

Banking Product Knowledge - Understands the products and services available through the retail branch bank. Knows product features, understands marketplace, shares expertise with others.
Regulatory Knowledge - Understands the applicable federal, state, local and company-specific regulations, policies and guidelines affecting business practices
Productivity - Generates high levels of output. Consistently meets workload demands. Consistently meets deadlines. Efficient at multi-tasking and demonstrates organization skills. Strives for results and efficiency.
Analytical Skills - Ability to take large volumes of data and then analyze trends and produce a result. Ability to breakdown complex problems into simpler, more manageable components. Ability to gather all information necessary to solve a problem, recognize underlying issues based on data and trends, and organize all relevant information to provide insight and ideas on how to draw appropriate conclusions that will help the solve problem.
Accuracy/Attention to Details - Ensures that work is complete and without error. Verifies information. Accomplishes tasks by considering all areas involved, no matter how small. Shows concern for all aspects of the job. Accurately checks processes and tasks. Being watchful over a period of time.
Interpersonal Skills - Demonstrates behavior in alignment our Code of Conduct. Possesses a positive attitude and enthusiasm towards customer interactions, job duties and work performance. Is approachable, warm, friendly and open-minded. Is capable of adjusting communication style to effectively interact with both internal and external client.
Bachelor's Degree in Business, Finance, Accounting or related field required
3+ years’ experience in Banking or lending related fields required
Financial analytical and underwriting skills required
Proficient with Microsoft Office, particularly Word and Excel

Nice To Haves

Credit Training for continuous learning preferred
Professionalism - Sets a good example in every aspect of work performance including behavior, appearance and communications. Interacts with colleagues and customers in a courteous and respectful manner. Possesses high ethical standards and maintains confidentiality when needed. Exhibits a positive professional impression through appropriate business attire in compliance with the company dress code. Demonstrates ability to withstand pressure and to remain calm in crisis situations.

Responsibilities

Manage all lending activities including soliciting, pre-screening, underwriting, negotiation, and presentation of loan requests. Includes complex loans and loans requiring significant lending authority.
Determine loan feasibility by analyzing the financial condition, operating performance, and repayment ability of borrowers utilizing financial statements, collateral documentation, borrower interviews, and industry and economic data
Approve loans within established limits or refer loans to Loan Committee for review and approval
Develop and maintain lending and operating policies consistent with those established by the Bank
Actively manage client portfolio to maximize return and credit quality by continually monitoring asset and client performance and maintain ongoing contact with lending clients
Analyze customer financial product needs and provide appropriate banking solutions through cross-selling cash management and other Bank products to loan clients. Maintain knowledge of all Bank products and services.
Keep abreast of regulations and legislation, as well as, other political and policy making events that directly affect the Bank
Create and sustain relationships with local centers of influence, such as brokers, owners, CPA's, real estate attorneys and customers for the purpose of referrals. Build and maintain relationships with the community and civic groups and represent the Bank at related events.
Travel to business owner properties/locations for meetings
Performs walk-through inspections of commercial buildings and construction areas
Interpret technical data and reports based on environmental and appraisal information while assessing properties
Re-evaluate past commercial and building loans in terms of cash flow
Protect the Bank's assets and maintain quality of portfolio by adhering to lending processes, policies and procedures, legal and ethics requirements and regulations, audit requirements, and established risk guidelines
Compliance with all relevant Bank policies and procedures