NB1581 - Commercial Relationship Manager
Northfield Bank, Brooklyn, New York, United States, 11210
We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being “locally grown,” and credits our strength to our dedication to our customers and the communities that we serve.
Job Title VP, Commercial Relationship Manager
Job Status Full Time
Job Location Brooklyn, NY
Job Summary Responsible for expanding the Bank's commercial mortgage and small business loan portfolio by managing and growing profitable commercial lending relationships. Responsible for prospecting for new business and obtaining information from prospects on which lending decisions are made. Has significant lending authority and handles more complex loans.
Essential Functions
Manage all lending activities including soliciting, pre‑screening, underwriting, negotiation, and presentation of loan requests. Includes complex loans and loans requiring significant lending authority.
Determine loan feasibility by analyzing the financial condition, operating performance and repayment ability of borrowers utilizing financial statements, collateral documentation, borrower interviews and industry and economic data.
Approve loans within established limits or refer loans to Loan Committee for review and approval.
Develop and maintain lending and operating policies consistent with those established by the Bank.
Actively manage client portfolio to maximize return and credit quality by continually monitoring asset and client performance and maintaining ongoing contact with lending clients.
Analyze customer financial product needs and provide appropriate banking solutions through cross‑selling cash management and other Bank products to loan clients. Maintain knowledge of all Bank products and services.
Keep abreast of regulations and legislation, as well as other political and policy‑making events that directly affect the Bank.
Create and sustain relationships with local centers of influence, such as brokers, owners, CPA’s, real estate attorneys and customers for the purpose of referrals. Build and maintain relationships with community and civic groups and represent the Bank at related events.
Travel to business‑owner properties/locations for meetings.
Perform walk‑through inspections of commercial buildings and construction areas.
Interpret technical data and reports based on environmental and appraisal information while assessing properties.
Re‑evaluate past commercial and building loans in terms of cash flow.
Protect the Bank's assets and maintain quality of portfolio by adhering to lending processes, policies and procedures, legal and ethics requirements, regulations, audit requirements and established risk guidelines.
Compliance with all relevant Bank policies and procedures.
Required Core Competencies
Banking Product Knowledge – Understands the products and services available through the retail branch bank. Knows product features, understands marketplace, shares expertise with others.
Regulatory Knowledge – Understands the applicable federal, state, local and company‑specific regulations, policies and guidelines affecting business practices.
Productivity – Generates high levels of output. Consistently meets workload demands, deadlines and is efficient at multi‑tasking. Demonstrates organization skills and strives for results and efficiency.
Analytical Skills – Ability to take large volumes of data and analyze trends to produce a result. Ability to break down complex problems into simpler, more manageable components. Gathers necessary information, recognizes underlying issues based on data and trends, and organizes relevant information to draw appropriate conclusions that aid problem solving.
Accuracy / Attention to Details – Ensures work is complete and error‑free. Verifies information and checks processes and tasks thoroughly.
Interpersonal Skills – Demonstrates behavior in alignment with the Code of Conduct. Possesses a positive attitude and enthusiasm towards customer interactions, job duties and work performance. Is approachable, warm, friendly and open‑minded. Adjusts communication style to effectively interact with both internal and external clients.
Preferred
Professionalism – Sets a good example in every aspect of work performance including behavior, appearance and communications. Interacts with colleagues and customers courteously and respectfully. Possesses high ethical standards and maintains confidentiality when needed. Demonstrates a positive professional impression through appropriate business attire in compliance with the company dress code. Can remain calm under pressure and in crisis situations.
Job Requirements
Bachelor's Degree in Business, Finance, Accounting or related field required.
Credit Training for continuous learning preferred.
3+ years’ experience in Banking or lending related fields required.
Financial analytical and underwriting skills required.
Proficient with Microsoft Office, particularly Word and Excel.
Northfield Bank is an Equal Employment Opportunity Employer M/F/Disability/Protected Veteran.
Salary Pay Range: $130K - 180K (This range is for informational purposes only. Offer of employment will be made based on level of experience and skill qualifications within this range)
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Job Title VP, Commercial Relationship Manager
Job Status Full Time
Job Location Brooklyn, NY
Job Summary Responsible for expanding the Bank's commercial mortgage and small business loan portfolio by managing and growing profitable commercial lending relationships. Responsible for prospecting for new business and obtaining information from prospects on which lending decisions are made. Has significant lending authority and handles more complex loans.
Essential Functions
Manage all lending activities including soliciting, pre‑screening, underwriting, negotiation, and presentation of loan requests. Includes complex loans and loans requiring significant lending authority.
Determine loan feasibility by analyzing the financial condition, operating performance and repayment ability of borrowers utilizing financial statements, collateral documentation, borrower interviews and industry and economic data.
Approve loans within established limits or refer loans to Loan Committee for review and approval.
Develop and maintain lending and operating policies consistent with those established by the Bank.
Actively manage client portfolio to maximize return and credit quality by continually monitoring asset and client performance and maintaining ongoing contact with lending clients.
Analyze customer financial product needs and provide appropriate banking solutions through cross‑selling cash management and other Bank products to loan clients. Maintain knowledge of all Bank products and services.
Keep abreast of regulations and legislation, as well as other political and policy‑making events that directly affect the Bank.
Create and sustain relationships with local centers of influence, such as brokers, owners, CPA’s, real estate attorneys and customers for the purpose of referrals. Build and maintain relationships with community and civic groups and represent the Bank at related events.
Travel to business‑owner properties/locations for meetings.
Perform walk‑through inspections of commercial buildings and construction areas.
Interpret technical data and reports based on environmental and appraisal information while assessing properties.
Re‑evaluate past commercial and building loans in terms of cash flow.
Protect the Bank's assets and maintain quality of portfolio by adhering to lending processes, policies and procedures, legal and ethics requirements, regulations, audit requirements and established risk guidelines.
Compliance with all relevant Bank policies and procedures.
Required Core Competencies
Banking Product Knowledge – Understands the products and services available through the retail branch bank. Knows product features, understands marketplace, shares expertise with others.
Regulatory Knowledge – Understands the applicable federal, state, local and company‑specific regulations, policies and guidelines affecting business practices.
Productivity – Generates high levels of output. Consistently meets workload demands, deadlines and is efficient at multi‑tasking. Demonstrates organization skills and strives for results and efficiency.
Analytical Skills – Ability to take large volumes of data and analyze trends to produce a result. Ability to break down complex problems into simpler, more manageable components. Gathers necessary information, recognizes underlying issues based on data and trends, and organizes relevant information to draw appropriate conclusions that aid problem solving.
Accuracy / Attention to Details – Ensures work is complete and error‑free. Verifies information and checks processes and tasks thoroughly.
Interpersonal Skills – Demonstrates behavior in alignment with the Code of Conduct. Possesses a positive attitude and enthusiasm towards customer interactions, job duties and work performance. Is approachable, warm, friendly and open‑minded. Adjusts communication style to effectively interact with both internal and external clients.
Preferred
Professionalism – Sets a good example in every aspect of work performance including behavior, appearance and communications. Interacts with colleagues and customers courteously and respectfully. Possesses high ethical standards and maintains confidentiality when needed. Demonstrates a positive professional impression through appropriate business attire in compliance with the company dress code. Can remain calm under pressure and in crisis situations.
Job Requirements
Bachelor's Degree in Business, Finance, Accounting or related field required.
Credit Training for continuous learning preferred.
3+ years’ experience in Banking or lending related fields required.
Financial analytical and underwriting skills required.
Proficient with Microsoft Office, particularly Word and Excel.
Northfield Bank is an Equal Employment Opportunity Employer M/F/Disability/Protected Veteran.
Salary Pay Range: $130K - 180K (This range is for informational purposes only. Offer of employment will be made based on level of experience and skill qualifications within this range)
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