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About the Role

Responsible for managing, retaining, and expanding existing business relationships, developing new business, and servicing commercial relationships. Grows revenue by prospecting for new business and retaining/expanding existing customer relationships. Manages a portfolio of up to 75 clients with credit outstanding up to $100MM, focusing on businesses with sales of $2MM - $25MM in targeted industries. Negotiates with adherence to established guidelines, credit pricing, terms, and structure.

Responsibilities

Solicits new and prospective loan and deposit relationships for the Bank.
Develops and executes a business development plan to achieve goals.
Implements a disciplined contact schedule to promote client satisfaction, retain clients, and attract profitable customer relationships.
Identifies cross-sell opportunities for assigned relationships.
Markets a broad range of financial products to assigned clients and prospects.
Builds internal relationships with other departments to enhance the overall banking relationship.
Provides guidance to less experienced Commercial Bankers.
Partners with the Commercial Underwriter to assess credit risk and structure credit solutions.
Identifies client needs and offers appropriate bank products and services.
Cultivates prospects independently through referrals, networking, and community relationships.
Develops relationships with customers through calling and customer support activities.
Monitors loan portfolio credit quality status.
Analyzes customer credit status or obtains central underwriting approval and documentation.
Uses automated business development system to manage calling program, schedule appointments, develop customer profiles, and book new business.
Stays informed about industry, competitor, and financial market changes.
Assembles financial information and coordinates the generation of loan packages for approval.
Assists Group Managers with strategic planning projects.
Performs other duties and special projects as assigned.
Complies with all applicable federal, state, and local banking and industry laws and regulations.

Requirements

Minimum 5-7 years of relationship management experience selling banking products.
Extensive knowledge of credit and non-credit products.
Proficient in credit underwriting.
Prior credit experience including financial analysis.
Knowledge of commercial loan products & lending / compliance regulations.
Ability to lift/move/carry approximately 30 pounds if required.

Skills

Relationship management
Business development
Credit underwriting
Financial analysis
Commercial loan products
Lending regulations
Compliance regulations
Needs based solutions
Networking
Customer support

Experience Level

5-7 years

Education Level

Bachelor’s Degree, major in Accounting or Finance preferred

Equal Opportunity

All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.