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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 $25MM - $100MM 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 established goals and objectives.
- Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long-term profitable customer relationships.
- Identifies cross-sell opportunities for each assigned relationship.
- 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 customer referrals, networking, and participation in professional organizations.
- Develops relationships with customers through calling and customer support activities.
- Routinely monitors loan portfolio's credit quality status.
- Analyzes customer credit status or obtains appropriate central underwriting approval.
- Uses automated business development system to manage calling program, schedule appointments, and develop customer profiles.
- Keeps abreast of industry, competitor, financial market, and other changes.
- Assembles financial information and coordinates the generation of complete loan packages for approval.
- Provides assistance to Group Managers with strategic planning projects.
- Performs other duties and special projects as assigned by Senior Management.
- Complies with all applicable federal, state, and local banking and industry-related laws and regulations.
Requirements
- Minimum 8-10 years of relationship management experience selling banking products.
- Extensive knowledge of credit and non-credit products.
- Proficient in credit underwriting and 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
- Credit risk assessment
- Automated business development systems
Experience Level
- 8-10 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.