Commercial Banking Relationship Manager

The Relationship Manager is responsible for originating a profitable portfolio of commercial and business loans, with the overall objective of increased asset quality, and to develop new business relationships while expanding individual business portfolios. The Relationship Officer will cross sell the entire bank and work with business line partners to service and expand relationships. Positions available in Kalamazoo, Grand Rapids, Holland, and Lansing

QUALIFICATIONS

• Bachelor’s Degree in Finance, Economics or a related field, required.
• Five plus years’ experience as a Commercial Lender.
• Excellent interpersonal skills, including strong written and oral communication, and keen listening skills.
• Must be an energetic, self-starter, who is able to work in a fast-paced and constantly changing environment.
• Proven sales skills
• Strong forward planning, analytical and strategic thinking skills.
• Ability to work in a goal orientated environment.
• Demonstrated commitment to community involvement or community-based services.
• Ability to work well with other associates.
• Relationship management skills for key commercial, small business and personal relationships.

ADDITIONAL INFORMATION

• Must consistently maintain a loan pipeline that would ensure that they reach their annual goals.
• Calls on prospective or existing customers to develop new business and to expand current portfolio.
• Performs necessary research regarding the client’s business, including analysis of financial statements. Maintains proper risk rating on assigned credits.
• Communicates bank loan decisions to client, closes commercial loans and services client’s ongoing financial needs. Presents opportunities to appropriate loan committee based on loan.
• Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees.
• Maintains customer confidence by keeping loan information confidential.
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Assures timely loan closing and funding activities.
• Effectively manages portfolio to ensure compliance with terms and reviews of all accounts including past due.
• Promotes and cross-sells other banking products and services as appropriate to customer requirements.
• Maintains consistent referral relationships with COI’s.
• Must understand and address all bank regulatory requirements.
• Assumes additional responsibilities as required by the position.

COMPANY DESCRIPTION

First National Bank of Michigan (FNBM), is a locally owned bank. Our commitment to superior service and our community means that you will always have personalized service with professionals whom you can talk to face-to-face. We are privately owned by investors who value commitment to a locally controlled bank that helps the community grow and prosper.

First National Bank of Michigan was not only made in Michigan, but also made to serve Michigan. Together, our staff currently gives back to more than 100 area organizations. We believe a healthy community depends on the positive contributions of its members, and that’s why we encourage collaborations between our bank, organizations and members of the community.

Working for First National Bank of Michigan means being part of a family-friendly team of professionals dedicated to service within their community. We offer a competitive compensation package and opportunities for professional networking, growth and advancement.

First National Bank of Michigan is an equal opportunity employer. FNBM pledges equal opportunity for all employees and applicants. Consequently, all individual employment decisions will be based on the individual’s qualifications, performance, and effort. FNBM does not discriminate against employees or applicants and will make every effort to provide a workplace free of the tensions created by actions that degrade an individual because of their religion, race, color, national origin, age, sex, sexual orientation, gender identity, height, weight, marital status, veteran status, disability, or citizenship status. To do this, the Bank has adopted a policy against all forms of harassment and any other forms of unwanted or illegal conduct.

We look forward to talking with you! Together, We are First.

First National Bank of Michigan - Diversity, Equity & Inclusion Statement

At First National Bank of Michigan we believe “Together, we are First”. To be “Together,” we fully embrace that each individual has a different life experience. We must respect and embrace the diverse backgrounds of all and strive to address and eliminate any conscious or unconscious biases that exist. In doing so, we promote an environment free of discrimination, which allows individuals to be true to their authentic selves. These actions stimulate critical thinking, strengthen communication, and inspire employees to help deliver on the core mission and values of the Bank.

We are committed to building –

· A diverse and inclusive workforce

· Respectful communication and teamwork amongst all

· Work/Life Balance that respects the needs of our employees

· Continuous opportunities to learn and grow “Together”

Job Type: Full-time

Pay: From $100,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Employee discount
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Experience level:

• 5 years

Schedule:

• Monday to Friday

Supplemental pay types:

• Bonus opportunities

Education:

• Bachelor's (Required)

Experience:

• Commercial Lending: 5 years (Required)
• Proven Sales: 1 year (Preferred)

Work Location: In person