Rel Mgr II Struct Fin

• Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry. Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts. Sets objectives for each relationship in terms of revenue contribution, etc.
• Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
• Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgement in recommending approval. Ensures the quality of all business introduced to the Bank.
• Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
• Interfaces with other Bank departments as necessary. Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction. Resolves all client needs and any internal issues.
• Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.
• In conjunction with the Underwriting Group, monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.
• Maintains awareness of competitive products, practices, rates and changes in market conditions.
• Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
• Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential

Must-Have*

• Bachelor's Degree
• 7 years of commercial credit experience
• Minimum 5 years of experience as a Relationship Manager

Skills and Knowledge

• Superior client relationship skills.
• Good understanding of commercial credit policies and procedures.
• Sound credit analysis and accounting skills.
• Strong interpersonal, verbal, and written communication skills.