Senior level relationship manager that develops and manages new commercial loan accounts and client relationships with Financial Sponsors and Operating Companies. To achieve this, it is expected that the role be proactive in providing financial solutions to both existing and prospective clients. Also responsible for developing and managing complex business relationships, cash-flow based loans, credit assessment while complying with regulatory requirements. This position will service as a mentor to other relationship managers within the organization and could evolve into a management or team leader role.
Skills/Requirements
Manages and services commercial / financial sponsor relationships by interviewing applicants and obtaining pertinent financial data.
Analyzes pertinent financial information and determines whether a credit is an acceptable risk.
Approves loans within assigned lending authority, and company policies and procedures.
Recommends credits outside lending authority to the next level or presents to Loan Committee in accordance with established procedures.
Develops new financial sponsor relationships and makes Limited Partner investment recommendations on behalf of Bank.
Ongoing monitoring of existing loans for conformity to terms and conditions.
Actively participates with and assists other lending officers on larger, more complex credits.
Monitors market conditions, observing competitor impact and makes recommendations to maintain a competitive and profitable product line.
Develop and maintain comprehensive knowledge of all commercial products including loans, treasury management, trade service products and deposits to facilitate cross-selling and enhance the client experience.
Performs other duties as required.
Qualifications:
Must have demonstrated advanced commercial credit underwriting skills, business development and portfolio management for mid-sized companies.
Minimum of seven or more years of Commercial or Leveraged Lending experience.
Strong working knowledge of Mergers, Acquisitions, Leveraged Buy-outs and Recapitalizations.
Must have excellent communication, presentation and tactful interpersonal skills.
Superb people skills to work within a team environment and successfully develop and retain client relationships.
Proven ability to cross-sell other banking products, including loans, treasury management and credit card services.
Self-motivated to work independently and take ownership.
Effective time management and organizational skills are required.
Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
This position requires the use of sound business discretion, good judgment, and excellent problem solving skills.
Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
Superior analytical and decision making skills based on a thoughtful assessment of risk.
Supervisory Responsibilities:
None
Travel:
Travel to and from portfolio companies as needed. Additional travel may be required as part of business development and/or new loan opportunities.
Education and/or Experience:
Bachelor’s degree (B.S.) in Finance or Business from four-year college or university with a minimum of seven years related experience and/or training in commercial banking.
Computer and Software Skills:
Microsoft Office Suite
Google Mail and related Apps
Bankway or similar depository account system
Salesforce or similar Client Relationship Management (CRM) database
