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JOB FUNCTION / SUMMARY:
Responsible for the management, retention and expansion of existing business relationships, the development of new business and the servicing of a variety of commercial relationships. Grows revenue as directed by senior management by successfully prospecting for new business and retaining and expanding existing customer relationships. Manages a portfolio of up to 75 clients with credit outstanding up to $50MM. Business development activities typically focus on businesses with sales of $25MM - $100MM that operate in our defined targeted industries. Functions with minimal levels of individual authority and negotiates with strict adherence to established guidelines, credit pricing, terms and structure.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Essential Duties
Additional Duties
Partners with the Commercial Underwriter to assess the customer’s credit risk and structure a credit solution that fits the customer’s needs while remaining within acceptable risk guidelines.
Identifies client needs and works with customers to offer appropriate bank products and services.
Cultivates prospects independently through customer referrals, networking, and participation in professional organizations, social contacts and relationships built in the community.
Develops relationships with customers through calling and customer support activities.
Routinely monitors loan portfolio’s credit quality status to ensure loans are current and conform to terms, quickly identifies and manages risks to minimize impact.
Analyzes customer credit status or obtains appropriate central underwriting approval and related documentation to ensure portfolio quality and yield are maintained.
Uses automated business development system to manage individual calling program, schedule appointments, develop customer profiles or cross-sales opportunities, follow-up with customers and book new business.
Keeps abreast of industry, competitor, financial market and other changes that may impact their portfolio or department.
Responsible for assembling financial information and coordinating the generation of complete loan packages for approval presentation
Other duties and special projects as assigned by Senior Management
Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
SUPERVISORY RESPONSIBILITIES:
None
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
Bachelor’s Degree, major in Accounting or Finance preferred
Minimum 3 -5 years of relationship management experience selling banking products
Proficient in credit underwriting fundamentals and prior credit experience including financial analysis
Knowledge of commercial loan products & lending / compliance regulations
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
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Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.