Commercial Lender

SUMMARY/OBJECTIVES It is the responsibility of the Commercial Relationship Manger III to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Has responsibility for developing new business through sales efforts in a South State metropolitan market. Manages a complex loan and deposit portfolio providing superior client service. Analyzes financial information to evaluate the credit worthiness of loan requests. Compiles loan packages ensuring completeness and accuracy of information provided. Sells and cross-sells additional products and services of the Bank. Assures that all loans are following State and Federal regulations and Bank policies and procedures. Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships internally and externally. ESSENTIAL FUNCTIONS Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a South State metro market Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meeting the needs of the client and the operating objectives of the Bank Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail Underwrite loan requests within the parameters of the Bank's policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval Manage and service assigned loan portfolio Ensure that all required documentation is in file for all loans and deposits Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available Price each loan and deposit product according to current Bank pricing guidelines Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations Demonstrate a commitment to fair lending practices Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations Resolve client problems and assists with general inquiries Provide superior service to existing clients #J-18808-Ljbffr