Relationship Manager III - CRE

Essential Functions/Responsibilities for Level III:

• The RM III position will generally be located in a market hub or other high business potential area.
• Develops new and expands existing client relationships by participating in business development activities, proactively reviewing client’s current and changing financial needs, and promoting products and services.
• Aggressively grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develop a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data. Analyzes personal and financial data to deepen current, profitable client relationships.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares or oversees the completion of the loan approval form including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtains appropriate approval for credit under consideration.
• Establishes and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for the credit quality which includes past due credits, non-performing and credit exceptions of their active portfolio.
• Actively participates and represents the Bank in various community, civic and professional organizations.
• Monitors the performance of the borrower over the life of the loan. Be able to recognize developing problems and bringing them to the attention of management. For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy.
• Refers loans to loan committee for approval.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Generally handles loan relationships with aggregate exposure between $5M and $25M and portfolios between $50M and $150M.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• 5+ years of relationship/account management experience selling banking products in the appropriate segmentation required.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Generating new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Undergraduate degree required;
  Accounting or Finance preferred.
• Credit training, credit quality and underwriting fundamentals experience; including financial analysis required.