Senior Commercial Relationship Manager

Job Description

Job Description

PURPOSE OF THE JOB

Responsible for composing an extensive variety of business and individual loans, both secured and unsecured, and may be complex in nature. Senior Commercial Relationship Managers target general-industry clients with annual revenues $1M or greater.

MAIN DUTIES OF THE JOB

• Develops new business through identifying and building relationships with both existing and prospective customers.
• Actively participates in community and/or professional organizations.
• Serves as a primary contact for all financial services linked to an individual client with Home Bank.
• Recognizes the needs of their customers and recommends appropriate product or service.
• Provide ongoing mentoring and coaching for Commercial Relationship Managers to enhance their overall job performance and sales.
• Develops knowledge of all clients and prospective clients by comprehensive profiling of Commercial business owners and other principals.
• Creates partnerships with other departments within Home Bank to ensure that all commercial clients needs are met as well as cross-sell opportunities are identified and met.
• Research and analyze data to create loan presentations to loan committee when required.
• Negotiate proper loan structures by analyzing financial data to determine the merits of specific loan requests and sell Home Bank’s credit and non-credit products.
• Provide financial advice and consultation to clients and prospective clients regarding the trends and conditions of current business environment and financial institutions.
• Perform other duties assigned by Manager

WHAT WILL YOU NEED TO SUCCEED

• Bachelor’s degree in business administration, finance or other related area preferred.
• Ten years’ experience with commercial lending and commercial loan underwriting.
• Twelve years’ experience in financial institution or loan office
• Extensive knowledge of understanding of commercial and lending practices, loan documentation and loan servicing requirements.
• Advanced knowledge of financial analysis including trend projections.
• Knowledge of credit underwriting, documentation, loan policy and regulations.
• Knowledge of accounting and financial principals.
• Advanced knowledge of marketing and sales techniques.
• Exceptional communication skills with the ability to prepare and deliver oral and written presentations.
• Excellent computer skills including advance knowledge of Microsoft Office.
• Time management skills and the ability to work independently with minimal supervision
• Ability to sell Home Bank products and services within local community.
• Capability to interpret financial information and data and determine the value of collateral offered.
• Ability to identify and develop relationship strategies for retention and client expansion.
• Ability to mentor and train Commercial Relationship Managers.

HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYER

GOOD CREDIT IS A MUST

CREDIT REPORT IS REQUIRED FOR EMPLOYME NT