Commercial Relationship Manager

The Commercial Relationship Manager is responsible for managing and maintaining borrowing relationships. This position is responsible for the development of new and existing business through calling programs and cross-selling of Bank services. Maintaining loan quality and generating fee income are also key areas of responsibility. The Relationship Manager approves loans within his/her authority and is responsible for presenting loans for approval at various committees. In addition, the Relationship Manager is responsible for managing his/her current loan portfolio.

Duties and Responsibilities

• Develop new business and prospects and generate business loans through referrals, business calls, and community involvement.
• Analyze customers' financial data, structure and negotiate credit transactions, and perform ongoing credit management.
• Service existing customer relationships to maximize profitability.
• Pursue repayment of loans and contact customers whose loans are past due or have overdrawn accounts.
• Responsible for early detection of problem loans and generation of reports for management of weak and criticized loans.
• Assist other lines of business with business development.

Education and Training

• Requires Bachelor's degree with an emphasis in Accounting or Finance.
• Requires 2 or more years of banking, finance, or sales related experience.
• Six months or more credit analysis experience is preferred.
• Requires knowledge of Microsoft Office.

Qualifications
Knowledge:

• Strong oral and written communication skills
• Strong sales and customer service skills

Ability:

• Analyze and interpret numerical data
• Analyze and solve problems of a complex nature and make decisions based on a wide knowledge of many factors where application of advanced technical concepts is required for which there are not precedents
• Make independent and difficult decisions within parameters of the Bank's loan policies
• Originate new procedures and approaches to problems
• Perform duties under frequent time pressures

EOE of Minorities/Females/Vets/Disability