Strategic Commercial Banking Relationship Manager

At Landmark Credit Union, we succeed by putting people first – and that starts with you. Our culture of inclusion and collaboration enables us to support our members’ financial wellbeing, positively impact the communities we serve, and help our associates grow their careers. Bring your authentic self to work as part of an organization where you’ll feel valued for your unique qualities, are enabled to reach your full potential, and are recognized for your contributions to our success. We strive to ensure you feel empowered to grow and succeed, while also feeling valued and taken care of, as we all do our part to put people first. We invite you to learn more about this and other opportunities at Landmark Credit Union.

NATURE AND SCOPE

This position reports to VP, Commercial Banking Credit Officer. The Commercial Banking Relationship Manager will serve as the primary contact for their portfolio members and is responsible for maintaining and growing relationships within an assigned portfolio of business members. The Commercial Banking Relationship Manager completes all underwriting requests for portfolio members, including annual reviews, renewals and new loan requests but does not have loan approval authority. Additionally, Commercial Banking Relationship Manager will assist in other underwriting assignments as needed.

REQUIREMENTS

1. Must have a Bachelor’s Degree in business or related field and a minimum of six years of direct experience in business/commercial credit analysis. Equivalent combination of education and experience will be considered.
2. Must have strong financial and credit analysis skills as well as a detailed understanding of business credit documentation and business collateral documents.
3. Must have experience or be able to gain proficiency in all programs and systems used for this job including systems related to deposit and loan products.
4. Must possess excellent oral and written communication skills, problem solving skills, organizational skills and the ability to work independently as a valuable team member in a dynamic environment.
5. Must have the ability to use independent judgment and discretion in various situations while maintaining a high degree of confidentiality.
6. Must develop a thorough understanding of company policies and procedures as they relate to this position. Must comply with all company policies and procedures and all job-related state and federal laws and regulations.

PRINCIPAL ACCOUNTABILITIES

A. Relationship Management:

1. Under limited supervision, manage a portfolio primarily comprised of CRE relationships.
2. Work with members to retain and potentially grow relationships, while working collaboratively with internal partners to cross sell bank products and services.
3. Provide financial advice and counsel to members and prospective members.
4. Manages assigned portfolio by facilitating annual reviews, loan renewals, and new requests of existing portfolio members. Completes all sections of the appropriate credit analysis and risk rating package so that the loan request and structure, collateral analysis, borrower background, financial statement analysis, cash flow analysis, loan policy compliance, future financial statement requirements, strengths and weaknesses and conditions to close are detailed in such a manner that a loan decision can be made.
5. Make presentations on specific loans and participate in the loan approval process.
6. Reviews loan documentation prior to closings to ensure appropriate documentation is provided accurately.
7. Provide assistance as required to the Processing and/or Underwriting areas in order to ensure a quality loan decision. Prepare for and attend Commercial Loan Committee meetings and assist in closings, as needed.
8. Executes loan closings with existing portfolio members.

B. Underwriting: 9. Underwrites annual reviews, renewal of existing loans, and new loan requests. 10. Completes all sections of the appropriate credit analysis and risk rating package so that the loan request and structure, collateral analysis, borrower background, financial statement analysis, cash flow analysis, loan policy compliance, future financial statement requirements, strengths and weaknesses and conditions to close are detailed in such a manner that a loan decision can be made. 11. Provides feedback to Commercial Loan Officers and supervisory staff regarding concerns with any aspects of loans underwritten. Recommends and models appropriate loan structure for new and existing loan relationships. 12. May be asked to contact business clients, accountants, attorneys or other necessary professionals to clarify questions related to the preparation of the credit analysis package. 13. When appropriate, attends commercial loan appointments with Commercial Loan Officers to be part of the profiling process. 14. Requests and analyzes all necessary collateral documents and takes a proactive approach in resolving any issues. 15. Requests necessary financial statements for the completion of annual reviews. 16. Completes annual reviews as per the requirements of the Commercial Loan Policy and the dates established in the credit analysis package. Analyzes and studies the trends to determine the appropriate risk rating. Makes recommendations on risk rating changes. 17. May be asked to attend Commercial Loan Committee meetings to present credit analysis information and/or other information relative to this position. 18. Performs loan audit review work as assigned. 19. Performs other duties as assigned. #J-18808-Ljbffr Ourlivesmadison