Commercial Relationship Manager
Grbbank, Rochester, NY, United States
The Commercial Relationship Manager is responsible for originating, underwriting, approving, and managing assigned commercial banking relationships; working with GRB sales partners to cross-sell and develop deposits and cash management products and services.
ESSENTIAL FUNCTIONS
Develop new commercial banking relationships including loans, deposits, and cash management products/services
Prospect assigned market utilizing a defined Sales Plan and participating in community affairs.
Develop and cultivate COI relationships within the GRB market footprint
Interview individuals/business owners and visit premises to understand the business.
Structure the terms and conditions of credit requests and deposit/cash management proposals
Prepare Commercial Loan Approval Packages for submission and presentation to appropriate lending authority
Refer to and work closely with the Bank’s Collateral/Documentation group to close transactions
Manage, monitor and cultivate a portfolio of commercial client relationships to include credit, deposit and cash management clients.
Have a working knowledge of GRB Credit Policy and general underwriting criteria
SECONDARY FUNCTIONS
Engage in cross-sell activities with GRB partners to develop new retail/consumer loans and deposits
Prospect assigned market utilizing a defined Sales Plan and participating in community affairs.
Refer individual applicants to Retail Relationship Managers as needed.
Maintain a thorough knowledge of CRA and Compliance Policies.
Have a working knowledge of other Banking Policies.
Work on select Bank-wide projects as needed and recommended by senior management
EDUCATION AND EXPERIENCE Bachelor’s degree, in a business-related discipline (Finance and/or Accounting highly preferred) plus a minimum of 2 years’ sales and/or relationship management experience and 2 years each, in Commercial Business Development and Commercial Loan Underwriting, or the equivalent combination of education and experience.
COMPETENCIES
Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
Excellent written and verbal communication skills.
Proficiency with needs-based, consultative selling.
Demonstrated PC literacy.
PHYSICAL DEMANDS While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms. The employee frequently is required to stand, sit, walk, talk and hear. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus. Position is required to frequently travel to client locations.
WORK ENVIRONMENT The work environment is indoor and climate controlled.
REASONABLE ACCOMMODATION Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position.
EEO STATEMENTS Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, color, national origin, age, sex, disability, veteran status, or any other basis protected by applicable federal, state, or local law.
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.
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ESSENTIAL FUNCTIONS
Develop new commercial banking relationships including loans, deposits, and cash management products/services
Prospect assigned market utilizing a defined Sales Plan and participating in community affairs.
Develop and cultivate COI relationships within the GRB market footprint
Interview individuals/business owners and visit premises to understand the business.
Structure the terms and conditions of credit requests and deposit/cash management proposals
Prepare Commercial Loan Approval Packages for submission and presentation to appropriate lending authority
Refer to and work closely with the Bank’s Collateral/Documentation group to close transactions
Manage, monitor and cultivate a portfolio of commercial client relationships to include credit, deposit and cash management clients.
Have a working knowledge of GRB Credit Policy and general underwriting criteria
SECONDARY FUNCTIONS
Engage in cross-sell activities with GRB partners to develop new retail/consumer loans and deposits
Prospect assigned market utilizing a defined Sales Plan and participating in community affairs.
Refer individual applicants to Retail Relationship Managers as needed.
Maintain a thorough knowledge of CRA and Compliance Policies.
Have a working knowledge of other Banking Policies.
Work on select Bank-wide projects as needed and recommended by senior management
EDUCATION AND EXPERIENCE Bachelor’s degree, in a business-related discipline (Finance and/or Accounting highly preferred) plus a minimum of 2 years’ sales and/or relationship management experience and 2 years each, in Commercial Business Development and Commercial Loan Underwriting, or the equivalent combination of education and experience.
COMPETENCIES
Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
Excellent written and verbal communication skills.
Proficiency with needs-based, consultative selling.
Demonstrated PC literacy.
PHYSICAL DEMANDS While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms. The employee frequently is required to stand, sit, walk, talk and hear. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus. Position is required to frequently travel to client locations.
WORK ENVIRONMENT The work environment is indoor and climate controlled.
REASONABLE ACCOMMODATION Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position.
EEO STATEMENTS Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, color, national origin, age, sex, disability, veteran status, or any other basis protected by applicable federal, state, or local law.
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.
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