Commercial Relationship Manager

Overview The Commercial Relationship Manager is responsible for developing, retaining, and growing commercial business relationships. Primary Responsibilities Conducts client/prospect development on a daily or weekly basis depending on client availability. Builds knowledge of all clients and prospects by completing in-depth profiling of commercial business owners and other principals. Understands the needs of customers, recommends the appropriate product, service or solution. Works closely with all areas of the Bank and other partners to understand all commercial clients and business owner needs. Consults with clients to understand objectives, identifies financial needs, and promotes and implements appropriate financial solutions. Works with the Treasury Management team to ensure commercial customers' needs are matched with the appropriate depository, cash management, and investment needs. Provides an exceptional level of customer service by handling requests directly or referring to the appropriate channel to meet the customer’s needs. Proactively solicits new business relationships. Collects and analyzes financial data to determine the general creditworthiness of commercial customers/prospects and the merits of specific credit requests. Understands and analyzes financial statements, tax returns and other financial documents to make accurate credit decisions. Demonstrates a thorough understanding of banking operations and products used to serve and maintain commercial client relationships. Develops information for and makes loan presentations to appropriate loan committees when required. Establishes and negotiates terms under which credit will be extended when necessary. Monitors loan repayment activities and takes action to collect on past due accounts. Participates in community affairs to increase bank visibility and enhance new business opportunities. Promotes a positive spirit by contributing to balancing team and individual responsibilities. Other duties as assigned. Supervisory Responsibilities May supervise 1–2 employees including directing and managing workload, creating and managing work schedules, approving time off requests, ensuring performance remains at an acceptable level, and other managerial duties as needed. Qualifications / Skills These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines: Bachelor’s degree A minimum of three years of relationship management experience required (preferably with commercial or small business customers). A minimum of five years of credit experience as gained through credit analyst, loan portfolio management, loan review, or equivalent positions, with proven ability to understand and analyze financial statements, tax returns and other financial documents and to make sound credit decisions. A minimum of three years of banking experience with a general knowledge of bank operations and specific knowledge of Treasury Management, depository and other products typically utilized by a commercial customer. Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension and effectively convey a response that promotes a positive impression. Must be able to work effectively and independently with little supervision. Strong business development and people skills to effectively promote and represent the bank in all situations, whether during or after business hours. This includes identifying opportunities and referring the client to the appropriate person. Computer and Office Equipment Skills Microsoft Office Suite including Word, Excel, and PowerPoint Physical Requirements The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. Regularly sit for long periods of time, walk, stand, talk, hear, use hands and fingers (manual dexterity), use a telephone, and occasionally lift and/or move up to 25 pounds. Specific vision abilities required include close vision and the ability to adjust focus. Mental Requirements The ability to solve problems, make decisions, interpret data, organize information, and communicate in written and oral form. Equal Opportunity Encore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status or any other characteristic protected by law. Offered Benefits Medical Dental Vision Employer Paid Life Insurance Supplemental Life Insurance Employee Stock Program 401K #J-18808-Ljbffr