C&I Relationship Manager IV

Overview

The C&I Relationship Manager IV assumes the overall responsibility for the development and management of their borrowing and non-borrowing portfolio. The Relationship Manager markets a range of products and services to medium and large commercial clients and originates complex C&I loans. They manage and develop a portfolio of commercial relationships, ensuring retention of client assets, credit quality and growth in relationships. The role supports growth and development of the commercial banking portfolio and market share, with a primary focus on profiling and selling/cross-selling commercial products to existing clients and prospects. The Relationship Manager builds deposits, loans, fee income and refers appropriate customers and prospects to business partners.
Position Accountabilities

Work closely with internal partners to facilitate the development of new business relationships and cultivate prospects through lead lists and Centers of Influence (COI). Responsible for retaining and expanding existing customer relationships.
Develop and maintain a quality loan portfolio with emphasis on companies with revenues between $20 - $150 million, obtain deposits and cross-sell other bank products and services while building strong customer relationships.
Prepare correspondence, commitment letters, loan memorandums and associated documents as required.
Monitor loan portfolio and maintain updated financial information.
Expand knowledge of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements.
Ensure portfolio administration and risk management of each client relationship comply with established credit policy, procedure and business strategy as well as regulatory guidelines.
Identify and capitalize on cross-sell opportunities and make appropriate referrals.
Execute a call program to acquire, retain and expand existing customer relationships.
Maintain pipeline of existing relationships and new prospects.
Collect and maintain financial information on borrowers and interact with customers to ensure all banking needs are met.
Assist in mentoring teammates, including credit analysis, financial spreading and underwriting.
Provide financial advice to customers and profitably sell appropriate products and services to prospects and clients.
Work with Treasury staff to solicit treasury services and deposit accounts.
Prepare correspondence, commitment letters, and loan memorandums and associated documents as required.
Ensure own work complies with applicable policies, procedures, laws, regulations and guidelines.
Participate in organizations and projects to establish referral contacts and COIs within the community.
Other duties as assigned.
Organizational Relationship

This position typically reports to a Team Leader, Group Leader or Regional President.
Position Qualifications

Education & Experience
Bachelor's degree in Business, Economics, or Finance preferred or equivalent banking experience
Minimum 10 years of commercial banking experience and a proven track record of generating deposits and fee income
Knowledge & Skills
Strong credit skills
Ability to independently manage a specialty line of lending and complex lending structures
Very strong professional writing skills; can articulate a customer\'s business needs succinctly and accurately in credit packages
Demonstrates effective problem solving and excellent collaboration and interpersonal communication skills
Possesses excellent C&I lending and product knowledge and organizational skills
Ability to make knowledgeable loan decisions based on information supplied by the customer verified through a rigorous underwriting process; strong ability to structure loans
Proven track record with sales and new business development in conjunction with exceeding sales goals
Ability to work well in a sales-driven environment
Ability to manage multiple tasks at one time without supervision
Knowledge of applicable laws and regulatory compliance related to commercial lending
Proficient computer skills with a good working knowledge of Microsoft Office programs including Excel, Word and Outlook
Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting the benefits page.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
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.

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