Relationship Manager, Commercial Lending

Relationship Manager, Commercial Lending

SUMMARY: Under the supervision of the Commercial Lending Team Leader, this individual is responsible for new business development, cross sale of other Bank products and services, and portfolio administration. New business will be generated from a calling program that includes business development calls on current customers, potential customers, businesses, professionals, etc.

ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:

• Sell business products and services to commercial customers and prospects as opportunities occur or required by management, typically through personal calling efforts or internal/external referrals
• Analyze credit worthiness of commercial borrowers and make recommendations for extending credit
• Develop sales proposals, coordinate preparation of commitment letters, and make sales presentations to clients and prospects.
• Promote and cross-sell other Bank services to existing and prospective clients
• Oversee preparation of legal documents for loan closings
• Monitor risk in loan portfolio and take appropriate action to indemnify and minimize credit risk.
• Effectively manage collateral and documentation exceptions
• Maintain portfolio delinquency at levels acceptable to management
• Interact with operational and technical areas to resolve problems
• Be active in community/civic/professional organizations that promote the bank and engender networking opportunities
• Adhere to all appropriate service standards
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money laundering procedures. Maintain compliance with all appropriate rules and regulations.
• Regular, predictable attendance is an essential requirement of this position

EDUCATION and/or EXPERIENCE:

• Bachelor degree in Business Administration or Finance
• Minimum of three (3) years experience as a commercial lender
• Knowledge of Word, Excel, Internet navigation/research, and Outlook is expected
• Ability to clearly and effectively communicate both verbally and in writing
• Frequent travel will be required using reliable personal transportation

OTHER SKILLS and ABILITIES:

• Must have excellent judgment/decision making skills, time management and organizational skills
• Must be able to work without supervision
• Must be able to operate all general office equipment

LANGUAGE SKILLS: Ability to read and comprehend instructions, correspondence, and memos. Ability to write correspondence and effectively present information in one-on-one group situations to clients and other Bank employees.

MATHEMATICAL SKILLS: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY: Ability to apply common sense understanding to carry out detailed oral or written instructions. Ability to deal with problems that arise internally and externally.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls, and talk and hear. The employee is frequently required to sit. The employee is occasionally required to stand, walk, reach with hands and arms, and stoop, kneel and crouch.The employee must occasionally lift and/or move up to 10 lbs. Specific vision abilities required by this job include close vision and the ability to adjust focus.

WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow individuals with disabilities to perform the essential functions.The noise level in the work environment is usually moderate. Will visit various customer offices and/or production facilities in the course of daily work where noise levels may fluctuate.