AVP, Commercial Relationship Manager

This position is responsible for the sales, service, and retention of the commercial relationships. Incumbents are responsible for new business development, portfolio management, credit quality, and overall relationship management of a portfolio of commercial customers. This position works independently to manage and develop complex commercial accounts that meet the bank’s lending requirements, maximize profitability, and minimize risk. Acts in a trusted advisor role to companies by generating ideas, advice, and solutions for clients within an assigned territory. Typical loan size is $500M to $2.5MM, with the capability to manage $35-65MM in portfolio size, and a minimum annualized sales loan volume of $12-$16MM. Essential Functions: Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Manage a $35-65MM commercial portfolio. Manage client relationships to identify additional opportunities in loans, deposits, or financial services. Identifies, prioritizes, and develops relationship strategies for high-value retention and expansion clients. Generates new business development within assigned territory and assumes ownership of developed client relationships by acting as a primary point of contact. Work with team members on the administration and relationship management of client relationships and commercial credits. Delivers knowledgeable advice and solutions within client relationships to optimize revenue opportunities for the bank. Drives revenue growth through self-sourced opportunities. Plans and executes quality client/prospect calls. Cross-sells all bank products, including new deposit dollars; directs the coordination for referrals. Manages transactional processes from initial engagement through final close. Assumes full ownership of the client experience while working in collaboration with credit services professionals and relationship specialists. Directly responsible for prospect identification through application and obtaining all supporting documents. Work in collaboration with a relationship specialist to prepare for credit action through submission to credit services for underwriting through credit determination. Work in collaboration with credit services from underwriting through credit decision. Partner with a relationship specialist on the preparation of the commitment, presentation of the offer, and clearing of conditions to close. Collaborate and provide oversight of the closing process. Monitors credit quality within assigned portfolios and takes action. Utilize CRM to track prospect and customer activities. In partnership with the Underwriter, making recommendations to the Loan Committee and the Board of Directors. Monitoring repayment activity. Managing delinquent credits within the portfolio. Actively participating in community activities and organizations. Complete other sales goals as assigned. Required Education and Experience: 6 to 8 years of relevant experience. Bachelor’s degree in business administration, finance, or related field. Demonstrated 5 years of experience in business lending with a commercial or community bank. Proven ability in developing business relationships, underwriting, and managing a portfolio. Comprehensive knowledge of all aspects of commercial, real estate, and construction lending. Comprehensive knowledge and compliance with ENB credit policies and all applicable federal, state, and bank regulations. High proficiency in Microsoft Outlook, Word, Excel, and credit analysis tools utilized for credit underwriting. Excellent communication, presentation, and sales skills are critical. Excellent working relationship and collaboration skills with support areas of the bank. Valid Driver’s License. ENB Operational and Functional Competencies Supervisory Requirements: This position has no supervisory responsibilities. $89,856.00 - $140,400.00 Pay Transparency: Salaries may vary based on geographic location, market data, and individual skills, experience, and education. This role is incentive-eligible, with payment based on company, business, and/or individual performance. Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to eligible employees. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit About | Careers | Benefits | Ephrata National Bank. This job operates in a professional work environment. This role routinely involves standard office equipment such as computers, monitors, mouse, keyboards, phones, printers, scanners, photocopiers, filing cabinets, calculators, and fax machines. Due to the physical location of this position, ringing phones and people conversing can make it difficult to hear at times, which can be easily distracting. Physical Demands: Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodation for otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that an employee must meet to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close, distance, and focus vision. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle, or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds, including standard computer and copy paper boxes, and open and close filing cabinets and drawers. Position Type and Expected Hours of Work: This is a full-time position. Flexibility in schedule is required, particularly when meeting deadlines, and is crucial, including possible periods of overtime. Travel: Travel may be required for this position. EEO Statement: Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information, or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws and regulations regarding nondiscrimination. This job description reflects management’s assignment of essential functions and position responsibilities. Nothing in this job description restricts management’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in the adherence to the bank’s policies. #J-18808-Ljbffr Ephrata National Bank