Career Opportunities

The Relationship Manager is responsible for managing a portfolio of clients and developing good business relationships that lead to loans, deposits and other banking products offered by the Bank. The Relationship Manager must assist with the management sales and service efforts to ensure retention of existing relationships and growth of new relationships.

Essential Functions and Basic Duties:

• Solicits, negotiates, underwrites and coordinates the closing of business loans in compliance with the Bank's lending policies and procedures.
• Develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
• Analyzes potential loan markets to develop new prospects.
• Develops business relationships.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates  loan terms and conditions.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates, underwrites and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, and declination letters.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Assists management with insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
• May represent the bank in community or civic functions to promote the Bank’s image and bank products and services.

Qualifications and Desired Skills:

• Thorough understanding of financial services and banking products.
• Strong underwriting and portfolio management skills.
• Ability to manage complex credits and client relationships.
• Background in leveraged finance a plus.
• Results driven.
• Thrives in a dynamic environment and has keen sense of urgency.
• Skilled communicator.
• Strong ability to lead and motivate junior staff.
• Ability to interpret financial data and reports and when necessary recommend appropriate actions.
• Ensures absolute confidentiality in all areas of responsibility.

Experience Required:

This level of knowledge is normally acquired through a Bachelor's degree along with at least 5 years of experience. Qualified candidates with equivalent experience should apply.

The position requires attention to detail, independence and decisiveness combined with the ability to prioritize and operate in a multitasked and geographically dispersed environment. The ideal candidate has at least seven years’ experience as a Relationship or Portfolio manager and enjoys the credit underwriting process and may have some credit approval experience. Responsibilities include review of credit authorization and financial spreads for loan approval, ensuring loan requests adhere to credit policy, participation in credit approvals; ensure compliance with Credit Policy; daily and weekly approvals of significant and insignificant credit amendments and waivers for the assigned portfolio. The individual determines the feasibility of granting credit for C & I credits, make recommendations on structure, and covenants so as not to expose the bank to undue credit risk. This position requires excellent interpersonal and communication skills due to the high level of contact with lenders, senior management, existing customers and regulators. This position is a client-facing role in our Branch and is an integral part of our day-to-day Bank operations. The ideal candidate comes to us with a strong work ethic, great communication, and excellent customer service skills.

Essential Functions and Basic Duties:

Essential

• Review and approve loan requests within assigned approval authority.
• Review and recommend loan requests exceeding assigned approval authority.
• Ensure that the risk grading of individual loans are accurate and timely.
• Provide technical advice, guidance and assistance to lenders in structuring and documenting of individual transactions.
• Ensures all portfolio reporting (i.e. CLR, Term Loan Reviews etc.) are completed in a judicious fashion.
• Review of financial analysis presented by lending staff for accuracy.
• Proactive and timely monitoring and management of delinquent loans.
• Advises lenders on potential red flags for deteriorating credits.
• Ensure the quality of loan presentations as to accuracy and completeness.
• Serves as a resource for credit policy and procedure interpretation for relationship and portfolio managers.
• Assists Senior Credit Officers and Chief Credit Officer with projects as assigned.
• Regular travel is required to various bank locations and occasionally to a client’s place of business.

Supplementary

• Contribute ideas concerning bank strategy, compliance and regulatory risk management.
• Provide training of the credit analysts and lenders as needed.
• On an as needed basis, design and develop forms and loan policy for Credit Administration.
• Assist in managing troubled assets and potential troubled assets.
• Develop knowledge of the financial industry, economy and market conditions.

Qualifications and Desired Skills:

• Bachelor’s degree required.
• Prior experience in credit administration desired but not required.
• A desire to pursue a career in credit administration.
• Computer proficiency and advanced skill set in Microsoft Excel and Word.
• Excellent verbal and written communications skills.
• Highly proficient at analyzing complex financial statements and tax returns.
• Ability to develop relationships throughout the bank as well with regulators and bank accountants.
• Strong analytical proficiencies with excellent problem solving skills.
• Ability to work efficiently and accurately ensuring all deadlines are met.
• Extensive knowledge of C&I lending.

Experience Required:

• Minimum of 5+ years relevant commercial bank lending experience.