VP, Relationship Manager – Commercial & Industrial

Responsibilities

Responsible for business development activities and generation of new commercial & industrial loans

Interviews prospective applicants and requests information related to the loan or credit application, corresponds with the applicants and resolves any questions in regards to the application

Performs a pre-qualification assessment and analysis of the financial condition and risk of the loan request within the framework of the Bank’s credit appetite

Gathers and analyzes information necessary to present a financing request to Management and/or Loan Committee for approval; meets with existing or potential customers, visits loan sites, negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee

Coordinates the process of approved loans, ensuring loans are processed according to agreements, customer documentation is in the files, solves issues related to processing and servicing of the loans, and approves loan disbursements in accordance with the approved agreements

Responsible for the entire loan process: negotiation, underwriting and coordinating the closing of commercial & industrial loans

Responsible for negotiating, underwriting and processing renewals of credit facilities

Monitors the loan portfolio to ensure safety and soundness and takes necessary actions to remedy any deficiencies or gather missing documentation

Responsible for adhering to the Bank’s policies and procedures regarding lending, credit, BSA and any other policy

Maintains good customer relationships, seeks cross-selling opportunities and takes a proactive approach to retain existing customers and foster relationships

Responsible for the administrative portion of the customer relationship, reviewing NSF, overdraft, wire transfer, BSA requirements, etc.

Responsible for completing the annual training program assigned

Performs other functions and/or duties as assigned

Requirements

Bachelor’s degree in Business Administration preferred or equivalent experience

5 to 7 years of experience as a Commercial Lender

Commercial & Industrial lending experience required

Advance computer skills including but not limited to proficiency in Microsoft Office (Word, Excel, Power Point, etc.)

Strong verbal and written communication skills, ability to communicate at all levels of the organization

Strong customer service skills, ensuring satisfaction of both internal and external customers

Strong attention to detail and accuracy

Ability to multi-task, with strong organization, time-management and prioritizing skills

Ability to work in a team environment, in order to ensuring compliance with department procedures

Knowledge of related State and Federal banking compliance regulations and operational policies

Ability to understand and comprehend instructions, procedures and policies ensuring compliance with the Bank’s policies and procedures

Advanced knowledge of lending and compliance regulations, and other Bank lending policies

Problem solving and analytical skills in order to identify problems and present them to the appropriate parties

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