Commercial Relationship Managers are the client-facing key to our core business of commercial banking. You'll nurture banking relationships with high revenue generating organizations to help them achieve mutually beneficial business goals and strengthen our communities.
Requirements
- Develop new client relationships which generate acceptable returns for the bank
- Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations
- Maintain a thorough knowledge of bank's lending policies and regulatory requirements
- Maintain proper house-holding of relationships
- Gather financials for new and renewal opportunities with clients
- Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting process
- Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter
- Finalize term sheets to meet client and bank needs
- Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team
- Builds and maintains a portfolio mix of targeted high value and high potential clients
- Acts as a financial advisor by educating the customer about financial strategies
- Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value
- Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer
- Create/Prepare Commitment Letter with Management supervision
- Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed
- Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management to deteriorating portfolio conditions
- Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
Benefits
- Medical with wellness incentives
- Dental
- Vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
