Commercial Banking Relationship Manager Ii

Overview

The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies.

Responsibilities

• Perform additional duties as assigned.
• Actively participates in business development activities for the purpose of attracting additional profitable business for the bank
• Provides guidance to less experienced relationship managers
• Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts
• Cross-sell additional products and services to existing customer base and asks for referrals
• Maintains professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal development

Qualifications

• Knowledge of sales principles
• Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Bachelor’s degree in business, finance, accounting, related field, or equivalent experience
• Ability to present loan commitments to executive management of customers should be attained prior to this level
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
• Must possess a high level of analytical skills
• Detailed knowledge of credit analysis practice and procedure
• Strong analysis, judgment and communication (oral and written) skills
• Should possess excellent negotiation and problem-solving skills
• Must possess effective interpersonal skills
• In-depth knowledge of products and services offered by financial services institutions
• Minimum 5 years of progressively increasing commercial lending experience
• 10 years lending experience
• Motivation and initiative are essential
• Knowledge of pricing models as it relates to profitability of lending unit