C & I Relationship Manager II

Develop sales leads independently and in cooperation with the Business Development Officer and Branch Managers to attain new C&I business relationships and product sales. Manage a loan portfolio of existing clients and monitor loan quality; be responsible for all aspects of loan administration for this portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit. Oversee and ensure accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, completeness of loan packages, and timely processing, funding, and closing of committed loans. Interview applicant(s) and request specified information for loan application. Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants’ evaluations. Analyze applicant financial status, credit, banking status, and other information to determine feasibility of granting a loan. Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. Present loans to appropriate approving authority or Loan Committee for approval. Call and visit C&I customers, prospects, and referral sources/centers of influence (COIs) to promote and sell bank products and services. Respond to customer information requests or inquiries involving small business loans. Provide loan data to support marketing and sales promotion programs as required. Promote and cross-sell other bank products and services as appropriate to customer requirements, such as Business Checking and Cash Management.
Responsibilities

Develop sales leads independently and in cooperation with the Business Development Officer and Branch Managers to attain new C&I business relationships and product sales
Manage a loan portfolio of existing clients and monitor loan quality
Be responsible for all aspects of loan administration for the portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit
Oversee and ensure accuracy and performance of loan administration and processes, including receipt of applications from prospective applicants, completeness of loan packages, and timely processing, funding, and closing of committed loans
Conduct interviews with applicants and request specified information for loan application
Request applicant credit reports, background checks, reference checks, and other relevant information for evaluation
Analyze applicant financial status, credit, banking status, and other information to determine loan feasibility
Compile the loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms
Present loans to appropriate approving authority or Loan Committee for approval
Call and visit C&I customers, prospects, and COIs to promote and sell bank products and services
Respond to customer information requests or inquiries involving small business loans
Provide loan data to support marketing and sales promotion programs as required
Promote and cross-sell other bank products and services as appropriate to customer requirements, such as Business Checking and Cash Management
Penn Community Bank is an equal opportunity employer.

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