Relationship Manager

Job Description

Job Description

The Commercial Relationship Manager works as part of a commercial lending team, in conjunction with senior management as part of the Commercial Line of Business, to develop, implement and execute a defined business plan and market strategy.

• Responsible for expanding, managing and optimizing a loan portfolio of commercial clients.
• Participate in the documentation of loan transactions.
• Coordinate the completion of credit applications and credit administration.
• Present credit requests to senior management and / or the companys Loan Committee for review and approval.
• Manage all aspects of client relationships consisting of the portfolio loans and other products.
• Refer other traditional non-loan banking services to team members specializing in Wealth Management, Residential Mortgages, Treasury Management Services and appropriate banking opportunities to other departments and personnel.
• Respond to referrals from senior management and others.
• Actively participate in new business development programs.
• Interview commercial loan applicants.
• Structure and analyze new and renewed loan requests and make loans within lending authority.
• Close loans.
• Complete file documentation.
• Monitor compliance with loan policies and appropriate regulations.
• Assign appropriate risk grades to loans and relationships.
• Collect past due loans, unless assigned to the centralized collectors.
• Handle customer service matters and inquiries for lending and non-lending issues.
• Send financial statements to the credit analysts for spreading and analysis.
• Monitor and evaluate the performance of direct reports.
• Provide informal training and guidance for less experienced lenders.
• Participate in community activities and organizations.
• Refer appropriate banking opportunities to other departments and personnel.
• Cross sell all company products and services.

Education / Experience Required