Commercial Relationship Manager

A Commercial Relationship Manager is responsible for originating commercial loans and for cross‑selling Bank products to commercial accounts. Incumbents are expected to meet or exceed production goals. Principal Accountabilities Interview loan applicants, collect and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request. Establish and negotiate terms under which credit will be extended, including costs, repayment method, schedule, and collateral requirements. Collect and analyze information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means. Present loan requests to the executive loan committee when the proposed loan dollar volume exceeds the department’s lending authority. Authorize or reject overdrafts in depository accounts within established authorities. Monitor loan repayment activities and take necessary action to collect from past‑due accounts. Advise customers, where possible, concerning business management and financial matters. Serve as a contact officer for non‑borrowing accounts and loan customers for matters relating to other bank services. Develop new business by contacting prospects and customers, cross‑sell bank services. Prepare lending activity reports for department management. Keep abreast of local and national economic, financial, political and legislative events and climates which could impact corporate and commercial lending activities. Participate in community affairs to increase the bank’s visibility and enhance new business opportunities. Maintain professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development. Perform other specifically assigned duties. Other Skills/Qualifications Requires strong knowledge of personal computer, Microsoft Office and other software used in department. Must be able to prepare documents and compose business letters and memorandums. Must be able to maintain confidentiality of customer and employee information. Must be a self‑starter and able to work independently. Requires a strong sense of urgency, initiative and drive to complete tasks correctly, with emphasis on working with and through people in the process. Must be able to work at a faster than average pace and be able to multi‑task. Work Environment Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relation skills with customers and bank associates. Must be willing to participate as a team member. Must be committed to the Bank’s mission and goals. Dimensions Required Provides commercial loans in compliance with the Bank’s policies and procedures. Bachelor’s Degree in Business, finance or equivalent work experience in related field. 3‑5 years of previous commercial lending experience in a bank or loan setting. Work Location: 3475 Piedmont Rd NE Suite 1900 Atlanta, Georgia 30305 Equal Opportunity Employer, including disabled/veterans. #J-18808-Ljbffr