Relationship Officer - C&I Lending

Description

Who We Are & Why You Will Love Us!

You are more than just a number; we are more than just a bank. At Tradition Capital Bank, we are partners in business and in life; building dreams and futures on one simple idea: strong one-on-one relationships.

We place our people in the right seats and position our employees to do what they love. Every person and every role matters: when we function together as One Team, we achieve extraordinary results. As each other’s raving fans, we reach across titles and organizational structure to encourage one another.

Here at Tradition, we believe that when people work together with shared values and an open mind, anything is possible.

Tradition is always in the making; join us in celebrating our roots and being a part of what’s next.

What You Will Be Doing

The SVP, Relationship Officer is responsible for building and maintaining a profitable and risk-appropriate portfolio of loan and deposit clients.

How You Will Get the Job Done

• Business Development: Consistently achieves results, meeting or exceeding production goals and metrics (loans, deposits, and fees) as outlined in stated goals. Shows a strong ability to independently identify and develop the Bank’s largest and most complex loan relationships, as well as deposit opportunities. Identifies Treasury Management opportunities and assists the team in building mutually beneficial relationships with the Treasury Management Officer.
• Risk Management: Responsible for the periodic review of borrower financial reporting and regular account monitoring for compliance with reporting requirements and covenants. Works with the team to ensure ticklers, borrowing bases, and electronic credit files are up to date and accurate. Operates with broad latitude for credit decisions. Demonstrates strong expertise and experience with the loan process. Confidently coordinates accurate documentation of all components of the approved credit accommodation, including perfection of collateral. May partner with bank counsel on complex credits and structures.
• Relationship Management: Manages a portfolio of sophisticated clients and prospects. Maintains exceptional client service consistent with our Client Service Standards (defect-free, timely, and caring). Works with Credit Officers and Analyst to prepare credit presentations and is responsible for the content included. Ensures the credit presentation sufficiently and appropriately summarizes the analysis of repayment sources using a risk-based approach (aligned with our Credit Policy).
• Analysis & Underwriting: Oversees and contributes to historical and projected business and personal cash flow, global cash flow, collateral analysis of real and personal property, understanding/analysis of economic and competitive environment of the borrower and/or industry, recommending appropriate covenants, and monitoring of the credit accommodation.
• Collaboration: Partners with other sales professionals on calls and in closings to ensure client experience aligns with our Client Service Standards. Serves as an expert resource and provides guidance for other Relationships Officers, Analysts and Loan Administrators within the team. Works collaboratively across credit and lending teams to identify opportunities for enhanced client service.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time without notice.

Requirements

What Sets You Apart:

• A role model for our core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously
• A Brand Ambassador of the Tradition name within the communities that are served
• Demonstrated commitment to defect free, timely, and caring client service
• Able to perform at a high level in a fast-paced environment
• Flexible to change in a growing organization
• Detail oriented and highly analytical
• Strong knowledge of financial statements
• Excellent verbal and written communication skills
• Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
• An independent, quick learner
• Able to prioritize and manage multiple projects/tasks
• Demonstrate a collaborative work style and respect for others
• Demonstrate self-motivation and present a resourceful work ethic
• Understands credit risk and mitigates the bank'S loan loss exposure; demonstrate sound risk management decisions
• Is accountable for demonstrating compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as it pertains to their position at the bank.

Professional & Educational Experience You Bring:

A Bachelor’s Degree from four-year College or University with emphasis on business or finance and a minimum of 10 years of experience in commercial lending; or equivalent combination of education and experience.

Work Environment*:

• While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle and feel objects, reach with hands and arms, talk or hear. The employee must occasionally lift and/or move up to 25 pounds and more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception in the window environment and the ability to adjust focus.
• This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
• Local and infrequent overnight travel is expected for this position

*The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Tradition Capital Bank is an Equal Employment Opportunity and Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race; color; creed; religion; national origin; sex; pregnancy, childbirth, and related disabilities; marital status; status with regard to public assistance; disability; genetic information; sexual orientation, off duty usage of lawful products; familial status; status as a patient enrolled in the marijuana registry program; membership or activity in a local commission; citizenship status; uniform servicemember status; and age; or any other protected class under federal, state, or local law.

Salary : $146,000 - $218,000