Commercial Banking Relationship Manager
1. Serves as primary contact with assigned prospective and current customers for all of the financial, banking, and investment counseling needs. Primary focus is on finding new business opportunities to sell the Bank’s products and services. Conducts interviews with applicants to thoroughly understands current and prospective customer's needs and their financial situation to market and sell additional Bank products and services. Visits applicants at their place of business to verify and better assess their current situation and future needs.
2. Identifies business needs and corresponding sales opportunities bank-wide and actively promotes ways to increase customer reliance on bank products and services, capitalizing on the unique and comprehensive capabilities of the bank. This would include Cash Management, Syndication, and the Capital Market Group.
3. Assists in obtaining financial statements, tax returns, and other credit information and maintaining individual credit files for all existing customers. Participates in analysis of pertinent credit information and/or credit checks.
4. Collaborates in write up of all Credit Requests, Variances and other correspondence related to the relationship. Presents credits at loan committee.
5. Works with loan administration in the review and negotiation of loan documents.
6. Manages existing portfolio and stays informed on their condition is aware of developing trends in the market which may impact credit quality. Prepares quarterly loan reports on existing portfolio.
Education
Required Education or Equivalent Experience
• Bachelor’s Degree in Business or Finance
• Master’s/Advanced Degree in Business or Finance (Preferred)
Required Experience
• Ten or more years of directly related experience
• Some supervisory/managerial experience helpful
Administrative/Technical Skills/ Other Information
• Solid understanding of underwriting and analysis for companies of all sizes and complexities.
• High degree of comfort and familiarity with use and application of commercial lending principles
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