What are the responsibilities and job description for the Commercial Loan Officer position at MRISpokane?
Job Description
Job Description
Overview
The Regional Banking Manager (RBM) is responsible for managing a portfolio of commercial relationships who require financial services and products to meet their needs. In addition to being the primary point of contact, the RBM is accountable for relationship selectivity, acquisition and deepening existing relationships through cross-selling, driving relationship profitability and satisfaction. RBMs develop the overall relationship strategy through a thorough analysis of risks, opportunities and impacts to the bank, and are responsible for leading and coordinating client team members in the execution of the Client Management Process. The RBM leads the relationship team and partners with credit, treasury and other product partners to ensure quality assessment of the relationship and execution of financial solutions. The RBM is expected to consistently network in the community and with centers of influence.
The RBM will actively solicit new loans and loan relationships for the Bank and will effectively evaluate the financial condition and operating history of the businesses applying for financing. Most loan transactions will be focused on originating, underwriting and structuring commercial real estate transactions. This will entail being responsible for overseeing the vetting, preliminary underwriting and structuring of new commercial real estate lending opportunities which will including obtaining, compiling and analyze appropriate borrower and guarantor financial information and other data on prospective customers to determine desirability in preparation for submitting to Credit Department for full underwriting. Interaction and presentation to the VP of Loan Origination, Chief Credit Officer and other executives of the Bank will be required.
Areas of Responsibility and Job Requirements :
Business Development Deposits :
- Seek out new business opportunities within the bank's defined market areas and actively participate in business development efforts to attract and retain quality clients.
- Develop and maintain a network of professional relationships and referral sources to include brokers, accountants, attorneys, and other centers of influence to enhance generation of new business.
- Plan, develop and pursue an active customer call program, within the Bank structure, in order to attract new banking relationships.
- Support other account officers in their efforts to obtain new business and retain existing relationships for the bank.
- Grow and manage a portfolio of accounts, acting as a key point of contact for business owner. Assist in opening new accounts and other administrative needs to gain new accounts.
- Promote and present to customers bank financial products and services, and coordinate implementation of strategies necessary to enhance deposit generating activities.
- Promote other products of the bank and provide referrals as appropriate.
- Coordinate with various divisions and departments (Branches, Operations, etc.) in the servicing of routine transactions and maintains up-to-date knowledge of competitors' products and pricing in the market served.
Business Development Loans :
Customer & Brand Focus :
Qualifications
Employment Type
Job Functions