Commercial Relationship Manager Trainee

Salary Range: $65,000 - $75,000

PRIMARY RESPONSIBILITY:

The GRB Commercial Relationship Manager Progression Program is designed to prepare individuals to become successful Commercial Relationship Managers. As a Commercial RM Trainee, participants will undergo a combination of e-learning, classroom, and hands-on learning experiences with a primary focus on credit analysis for the first 12 to 24 months. Participants will learn about GRB's credit culture and the commercial loan underwriting process, eventually developing sales and relationship management skills as they progress through the program. Trainees will be responsible for assisting Commercial Relationship Managers in servicing their commercial loan portfolios; obtain, analyze and evaluate financial and operating information in undertaking the preparation of credit analysis.

ESSENTIAL FUNCTIONS:

• Analyze financial statements of all levels of quality to develop an initial assessment to identify strengths and weaknesses, as it pertains to a borrower's historical operating performance.
• At the direction of the Commercial Team Leader, conduct customer-facing site visits and financial informational interviews.
• Completing and underwriting assigned annual reviews and new credit requests.
• Utilize the nCino platform and gain familiarity with all of the functions, including the financial spreading software.
• Working with RMs, develop credit analyses and presentations to process renewals, extensions and new credit requests. This includes, but is not limited to, collecting information on affiliated debt and relationships; preparation of the credit presentation, including cash flow and collateral analysis; and analyzing financial data and trends of borrowing entities in assessing overall credit risk.
• Review loan documentation file prior to presenting loan requests to appropriate loan committee to insure that collateral meets approval requirements. Prepare written commercial loan analysis in a concise but complete format identifying major trends, issues and risks for presentation to loan committee.
• Review loan policy manual to ensure that loans presented to loan committee meet bank policy requirements. Note any policy exceptions in the credit presentation.
• Active participation in demonstrating the behaviors outlined in the GRB Experience.
• Meet expectations in performance, productivity and quality standards.
• All other duties as assigned.

EDUCATION AND EXPERIENCE:

Bachelor's degree in a business-related discipline, or the equivalent combination of education and commensurate experience.

• Previous credit analysis and/or experience in commercial banking strongly preferred.
• Previous experience in public accounting a plus.

COMPETENCIES:

• Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
• Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
• Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
• Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
• Demonstrated PC literacy.
• Detail-oriented, conscientious, sensitive to confidential information, and efficient work habits required.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms. The employee frequently is required to stand, sit, and talk or hear. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

WORK ENVIRONMENT:


The work environment is indoor and climate-controlled office environment.


Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of this position.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, color, national origin, age, sex, disability, veteran status, or any other basis protected by applicable federal, state, or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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.