Relationship Manager III

The Relationship Manager is responsible for developing and managing commercial banking relationships to maximize profitability to the bank with acceptable risk; through relationship management, credit management, and business development.

Responsibilities:

Relationship Management

•    Manages the largest and most complex relationships that require in depth analysis
•    Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions
•    Ensures integrity and timeliness of customer information, documentation, and data
•    Ensures each relationship is profitable and represents appropriate risk
•    Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues
•    Mentors junior staff and helps to manage workflow within the team

Credit Management

•    For new loan requests, assess borrower creditworthiness in accordance with credit policy
•    Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned
•    Ensure that loans are documented in accordance with credit approvals
•    Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activity

Business Development

•    Maintain expert knowledge of commercial banking products & services
•    Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities
•    Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management
•    Provide existing and prospective customers with appropriate financial services and advice
•    Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations.
•    Maintain a pipeline of business leaders and prospects

Qualifications:

Education Requirements

•    Bachelor’s degree 

Minimum Experience

•    Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager
•    Minimum 4 years of experience as a relationship manager
•    Expert understanding of treasury management services and other banking products

Knowledge/ Skills/ Abilities

•    Expert accounting & finance knowledge
•    Exceptional technical skills
•    Expert knowledge of laws and regulations, and compliance related to commercial lending
•    Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value
•    Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills
•    Ability to work in a team environment and demonstrate flexibility as business dictates
•    Ability & willingness to investigate, resolve, and recommend process improvement opportunities
•    Ability to effectively plan, manage, and delegate to others