Relationship Manager – Senior

Relationship Manager – Senior

Requirements

• Bachelor’s Degree or approved equivalent; completion of courses in finance, accounting and real estate analysis or equivalent training in commercial banking.
• Proven negotiating experience required to win, retain and restructure credit and non-credit services, accuracy, strong organizational skills, attention to detail and success working with clients with diverse banking needs.
• 7 years of experience as a Relationship Manager or equivalent
• Must have excellent understanding and working knowledge of commercial lending terminology, loan processing, loan documentation and lending procedures.
• Self-motivated and production-oriented with a proven ability to win and retain new relationships that meet the risk appetite of the Company.

Responsibilities

• Engages in business development activities and solicitation of new business prospects; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services; maintains active prospecting effort, including identification, qualification and calling; investigates and follows up on significant changes in status of existing customers; consistently balances prospecting efforts and quality customer maintenance responsibilities; meets with customers to discuss needs and outline appropriate Bank services; resolves customer concerns or problems as necessary.
• Performs all required portfolio management responsibilities, including but limited to monitoring of the customer’s financial reporting requirement and compliance with covenants.
• Ensures that all proper due diligence is performed and collects and analyzes financial and related data in order to determine the credit worthiness of the prospect and the merits of the specific loan request.
• Establishes, and negotiates as necessary, the terms under which credit will be extended, including the costs, collateral requirements, repayment method and schedule.
• Develops and maintains a deep understanding of non-credit products, seeks to uncover opportunities and appropriate solutions to help clients more efficiently manage cash flow.
• Develops materials for, and makes loan presentations to, Credit Administration and Senior Loan Committee, as required.
• Participates in community affairs to increase the Bank’s visibility and enhance new business opportunities.
• Serves as a contact for borrowing and non-borrowing clients for matters relating to other bank services, including Work Perks and personal and private banking.
• Counsels with and assists in the training and development of Banking Officers, Relationship Managers, Loan Coordinators and Credit Analysts.
• Adherence to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations.
• Completes special projects, as assigned by Director or DM.

Preferred Qualifications

• Proven ability to attract and retain quality clients and develop complex relationships that require a high degree of skill and banking acumen (e.g., strong negotiating skills, and the ability to provide/offer complex treasury solutions).
• Leadership traits and the ability to effectively mentor teammates/team members.