The Commercial Relationship Manager is responsible for creating, developing, and managing banking relationships; originating commercial loans and developing deposit relationships; and ensuring exceptional client service while maximizing the profitability of client relationships and minimizing risk.
Requirements
Responsibilities and Duties
Through an organized and consultative approach, develops new depository and loan customer relationships with prospective clients. Target market are businesses up to $75 million in revenues located in the Jacksonville MSA.
Actively manages and maintains, on an ongoing basis, existing clients by independently monitoring the financial condition and business aspects of a group of customers and independently responds to clients’ daily and long-term banking needs with minimal oversight.
Manages and expands existing portfolio by overseeing credit renewals, resolving problems and cross-selling other products with the assistance of product specialists.
Meets with centers of influence, business and real estate brokers, CPAs, attorneys, real estate agents, business owners, senior executives, and others to evaluate and analyze their financial and business needs, and to provide expert advice to prospective clients. This includes developing a clear understanding of current and potential customers and their business strategies, loan purpose, risk assessments and mitigation of risk, indicated repayment sources through financial statements and asset evaluation.
Makes independent threshold determinations regarding the creditworthiness of prospective clients. This includes reviewing, analyzing, and interpreting financial statements, accounting papers, income tax returns, while adhering to Bank policies and governmental regulations.
Structures and proposes credits; negotiates, within guidelines, credit pricing, terms, and structures. Facilitates resolution of the credit approval process working with their assigned underwriter.
Maintains comprehensive knowledge of the bank’s products, services and credit standards, trends in commercial banking pricing and products.
Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities.
Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development.
Ensures BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
All other tasks, responsibilities, or duties, as directed by management.
Qualifications And Skills
Bachelor's Degree (BA, BS, etc.) in Business, Accounting, Finance, or a related field required with Five (5) years of credit and/or commercial loan experience.
Exhibits effective sales and customer service practices and have a firm grasp on relevant legal issues and other necessary information.
Maintains confidentiality of customer and employee information.
Self-starter and able to work independently.
Displays a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
Must be able to make sound decisions, ability to recognize potential problems, and take corrective action.
Flexible to adapt to changing business priorities.
Good interpersonal skills and communication with all levels of management
Able to multitask, prioritize, and manage time efficiently.
Excellent verbal and written communication skills
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Finance and Sales
Industries
Banking
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