Commercial Relationship Manager

Job DescriptionJob Description

Position Summary

The 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 financial services. Maintaining loan quality and generating income are also key areas of responsibility. The Relationship Manager approves loans within their authority and is responsible for presenting loans for approval at various committees. In addition, the Relationship Manager is responsible for managing their current loan portfolio. This position will report to the Market President; in some cases, a Relationship Manager I may report to a Relationship Manager II if identified by leadership.

Duties & 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 of reports for management of weak and criticized loans.

• Assist other business lines with business development.

• Where applicable, leadership may determine a need for a Relationship Manager II to support in the management of Relationship Managers and/or Portfolio Managers. Those duties would include:

  • Serving as a resource to associates

  • Acting as a trainer/coach

Education & Experience

Knowledge of:

• Strong oral and written communication skills

• Strong sales and customer service skills

Ability to:

• Analyze and interpret numerical data

• Analyze and solve complex problems and make decisions based on a wide knowledge of factors where advanced technical concepts are required

• Make independent and difficult decisions within established loan policies

• Originate new procedures and approaches to problems

• Perform duties under frequent time pressures

Education and Training:

• Bachelor's degree with an emphasis in Accounting or Finance required

• 2 or more years of banking, finance, or sales-related experience required

• Six months or more credit analysis experience required

• Knowledge of Microsoft Office required