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Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!
The Commercial Banking Relationship Manager IV is responsible for developing and managing a diversified banking products and services portfolio. This includes identifying and marketing lending opportunities, coordinating and participating in loan structuring, underwriting, origination, servicing, and engaging in full cycle relationship management and cross selling cash management, merchant, and wealth management opportunities.
Key Responsibilities:
路聽聽Identifies business development opportunities with prospects or current customers; markets and provides counsel on the Bank鈥檚 credit and cash management products and services.
路聽聽Responsible for sourcing and independently generating all new business.
路聽聽Collects application documents, works with the credit analysts to assess client鈥檚 financial condition; determines credit risk and makes loan structuring and underwriting decisions within approval authority or seeks appropriate joined approval authority; coordinates closing and the completion and review of final documents.
路聽聽Serves as Relationship Manager by providing ongoing customer service support and guidance to existing and new clients and client decision makers; maintains up-to-date client files, manages renewals, and processes servicing requests such as collecting past due payments, exception clearing, responding to information inquiries and facilitating transfer and draw requests.
路聽聽Maintains current and in depth knowledge on banking and lending products, policies, procedures and regulatory requirements, as well as market and industry activities and trends.
Competencies Required
路聽聽Excellent external and internal customer service and relationship management skills with the ability to convey a positive attitude and maintain a high degree of confidentiality, diplomacy, tact and salesmanship.
路聽聽Ability to lead by example and mentor others.
路聽聽Expert sales, negotiating and implementation skills
路聽聽Expert ability to effectively promote all bank products and services. Consistently proven record as a sales leader.
路聽聽Proven ability to deliver relationship based solutions to clients, evidenced by strong client retention and repeat business opportunities.
路聽聽Expert ability to discern credit quality.
路聽聽Demonstrated mastery of deal structuring and domain expertise.
路聽聽Excellent written and verbal communication skills with effective sales acumen.
路聽聽Strong practical knowledge of commercial banking and lending products, policies, procedures, regulatory guidelines, and market trends.
路聽聽Developed critical thinking and decision making skills with the ability to interpret and analyze financial and credit information.
路聽聽Excellent organizational skills with proven ability to prioritize and manage workload and to instill a sense of urgency in others as necessary to meet deadlines.
路聽聽Solid technology skills, including ability to navigate and search related websites, and intermediate proficiency with Microsoft office (Excel, Office, Word, and SharePoint) and banking software applications (Bancline, Mozart).
Minimum Qualifications/Experience
路聽聽13+ years of commercial lending experience
路聽聽Formal credit training preferred
路聽聽Bank portfolio management experience required including proficient knowledge of cash/treasury management products and services.
Formal Education & Certification
路聽聽Bachelor鈥檚 Degree in Business Administration, Finance, Marketing, Accounting or related field or equivalent amount of related experience preferred.
Work Status
路聽聽Full-Time.
Supervisory Responsibility
路聽聽0-2 direct reports.
Travel
路聽聽Up to 10%25 travel is expected, with more travel possible depending on clients.
Working Conditions
路聽聽Conditions involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, folders, etc.
Disclaimer:
This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management鈥檚 right to assign or reassign duties and responsibilities to this job at any time.
Woodforest is an Equal Opportunity Employer, including Disability and Veterans.
Learn more about this Employer on their Career Site
