Commercial Relationship Manager II

Job Function – 
Solicits and maintains Commercial loans and deposits within established guidelines in order to meet the Bank’s profitability goals.   Ensures Bank standards are met with regards to loan quality and collection efforts. Maintains a portfolio of typically $25-50 million.

Job Responsibilities – 

Actively solicits commercial loan and deposit customers from both existing data base and referrals from centers of influence.

Manages a portfolio of commercial loans and deposits and may coordinate some collection efforts.

Performs financial analysis associated with loan requests and upon receipt of periodic financial statements.  

Processes loan applications and prepares appropriate loan documentation.

Maintains satisfactory credit quality within loan portfolio such as delinquency levels and net charge offs.

Prepares related documentation for loan committee as needed.

Obtains current tax returns and other required financial information.

Maintains acceptable level of loan exceptions.  

Responds to disbursement requests, inspections, and inquiries as needed.

May assist senior commercial officers in handling larger and more complicated loans.

Ensures that own work is in compliance with all applicable laws, regulations, policies and guidelines.

Performs all other duties as assigned.

Education and Related Experience – 

•          Bachelor's degree in Finance, Accounting or related field preferred.  

•          High School Diploma or equivalent (GED) required.

•          3+ years Commercial Banking or equivalent experience, preferably in a financial institution, required.

Skills and Abilities – 

•          Strong working knowledge of commercial loan documentation and commercial banking.

•          Strong knowledge of commercial non-real estate lending policies and procedures.

•          Strong knowledge of lending services and related areas.

•          Strong consultative sales skills.

•          Must possess good verbal and written communication skills.

•          Must possess good organizational and time management skills.

•          Must possess ability to perform detailed tasks with accuracy.

•          Must possess good financial analytical skills.

•          Must possess knowledge of computers and computer operations MS Office software. 

•          Must possess knowledge of standard office equipment including computer, typewriter, fax machine, scanner and copy machine.

Working Conditions and/or Physical Requirements – 

•          Ability to work under stress and meet deadlines.

•          Ability to operate a keyboard if required performing the essential job functions.

•          Ability to read and interpret a document.

•          Ability to travel if required to perform the essential job functions.

•          Ability to lift/move/carry approximately 20 pounds if required to perform the essential job functions.  If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department an “undue hardship” then the employee must be accommodated; hence, omitting lifting as a physical requirement.

Equal Opportunity Employer/Veterans/Disabled