What are the responsibilities and job description for the SVP Commercial Relationship Manager III position at AmeriServ Financial Bank?
Summary Objective
Primary responsibility of this position is to develop and expand profitable commercial relationships by identifying financial needs and recommending appropriate solutions. Key areas of focus include loans, business services, deposits, related retail, and trust services. Responsibility includes the ability to assess financial performance in a variety of industries, understand and interpret the underwriting process, credit policy and procedures, structure credit relationships and maintain strong customer service standards.
Essential Functions
Supervisory Responsibility
This position requires no supervision of employees.
Physical Demands
The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. 4) Specific vision abilities required by this job includes viewing a computer monitor, extensive reading and moderate traveling.
Sedentary work may require occasionally lifting of up to 10 pounds and/or move up to 25 pounds. This work involves sitting most of the time with walking and sitting.
Travel
Moderate travel (could include overnight stays).
Competencies
A bachelor’s degree in accounting, business, or economics (with a heavy concentration of accounting) or equivalent education and experience is needed along with a minimum of ten (10) years banking experience with at least seven (7) years of intense commercial and mortgage lending experience. Proven record of consistently exceeding production of $18 million plus in commercial lending over 3 years or more.
Primary responsibility of this position is to develop and expand profitable commercial relationships by identifying financial needs and recommending appropriate solutions. Key areas of focus include loans, business services, deposits, related retail, and trust services. Responsibility includes the ability to assess financial performance in a variety of industries, understand and interpret the underwriting process, credit policy and procedures, structure credit relationships and maintain strong customer service standards.
Essential Functions
- Achieve established goals in loan, deposit, and fee production through the development of new and expansion of existing relationships.
- Implement a comprehensive business development calling program to fulfill the corresponding goals by targeting existing customers, prospects, and center of influence contacts.
- Expand business customer’s retail and trust relationships by actively profiling needs, cross selling appropriate solutions and referring opportunities / leads to partners within the bank.
- Understand and comply with the objectives of the internal sales management system (Sales Tracker) to track and update new business opportunities, maintain customer profiles, and record calls.
- Apply necessary credit and financial analysis skills to prioritize opportunities, assess risk and appropriately structure credit requests.
- Develop and effectively deliver credit presentations to appropriate approval authorities including the identification of strengths, weaknesses, mitigants, and recommendations for approval of credit requests.
- Assure that the loan portfolio is properly rated and managed to reduce risk and maintain compliance with external regulations and internal policies.
- Maintain sufficient Bank and Trust Company product knowledge to identify opportunities and cross sell products and services.
- Deliver exceptional customer service both internally and externally and fulfill the existing customer service standards within the Bank.
- Maintain effective, professional and responsive communication both internally and externally at all times.
- Represent the Bank within the community in a professional manner and be actively involved in a leadership role of appropriate professional, charitable, and civic organizations.
Supervisory Responsibility
This position requires no supervision of employees.
Physical Demands
The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. 4) Specific vision abilities required by this job includes viewing a computer monitor, extensive reading and moderate traveling.
Sedentary work may require occasionally lifting of up to 10 pounds and/or move up to 25 pounds. This work involves sitting most of the time with walking and sitting.
Travel
Moderate travel (could include overnight stays).
Competencies
- Communication Negotiation Proficiency
- Computer Skills
- Leadership Skills
- Customer/Client Focus
- Deadline Oriented
- Analytical Skills
- Ethical Conduct
A bachelor’s degree in accounting, business, or economics (with a heavy concentration of accounting) or equivalent education and experience is needed along with a minimum of ten (10) years banking experience with at least seven (7) years of intense commercial and mortgage lending experience. Proven record of consistently exceeding production of $18 million plus in commercial lending over 3 years or more.
