Description

The Relationship Manager is responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex commercial, commercial real estate, SBA, equipment and some consumer loans, in compliance with the Bank’s lending policies and procedures. They will develop business checking and deposit relationships with customers; while promoting business for Colonial Savings by maintaining good customer relations. The Relationship Manager is responsible for achieving, as established by the Bank, region and branch goals through active participation in sales management and officer call programs. They will ensure compliance with all bank policies and procedures, as well as applicable state and federal banking regulations.

Responsibilities include:

Engage in business development activities and solicitation of new business
Interview prospective applicants and request all documentation/information related to loan or credit application
Perform pre-qualification assessments and analysis of financial condition and risk of financing requests within framework of bank credit culture and current economic and industry trends from applicants
Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval
Maintain/acquire relationships with existing and potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee
Coordinate processing of approved loans; ensuring loans are processed according to agreement, customer needs and conforms to bank lending policies
Ensure that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning
Negotiate, underwrite and processes renewals of credit facilities
Approve loan payments, draws from lines of credit, and fund transfers within specified limits
Contribute to the overall profitability of the branch and monitors expenses to ensure compliance with budget
Reinforce the application of superior customer service through his or her own example along with appropriate follow through with customers and employees
Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competitors
Represent the bank in various community, civic, and community reinvestment functions to further enhance the bank’s image and develop additional business
Cross sell Colonial’s products and services
Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
Directly responsible in meeting annual deposit and loan growth goals assigned by Senior Management
Participate with Senior Management with developing, analyzing and finalizing complex loan agreements with representatives of large businesses
Respond to inquiries or refer inquiries to the appropriate department or person
Assume responsibility for special projects; gather data and prepare reports for Senior Management, auditors and other personnel
Various duties as assigned

Requirements:

3+ years of commercial banking experience
Experience with financial statements and tax return analysis
Experience in all lending activities and terminology
Knowledgeable of commercial, construction, real estate and consumer loan processing
Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies
Proven ability to develop marketing and business development skills with customers
Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
Self-motivator with excellent organizational and time management skills
Proficient with Microsoft Office and specialty software programs
Exceptional verbal, written and interpersonal communication skills
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
Ability to work with minimal supervision
Successful NMLS Registration required

This position offers a full range of benefits including Health, Dental, and 401k.

Equal Opportunity Employer

M/F/Disability/Vet.

Member FDIC | Equal Housing Lender | NMLS ID 401285

About the Company