Relationship Manager (Commercial/Business Lender)

Description

Our Story

Located in central and northern Pennsylvania, Juniata Valley Bank opened for business on August 5, 1867, well over 150 years ago! In the early years, we merged with other financial institutions and in more recent years acquired community banks to form what we are today – a financial institution with deep roots, progressive processes and products, accessible leadership, and above all else, an unwavering commitment to our people and the communities we serve.

Relationship Manager (Commercial/Business Lender) Details

• Employee Type: Full-time, Exempt (Salary)
• Minimum Starting Pay Rate: $85,000 per year. Pay will be commensurate with experience.

Full-time benefits/perks

• Key Benefits: Medical, Vision, Dental, Life, and Disability Insurances. 401(k) Plan with Match, Employee Stock Purchase Plan, generous Paid Time Off (PTO), 11 Paid Holidays, and more.
• Volunteer Time Off (VTO): VTO is given to all full-time and part-time employees! JVB compensates full-time employees for one full day and part-time employees for half a day of work in order for them to volunteer at an organization of their choosing.
• 401(k) Match: JVB offers a .50 match on the dollar up to 8%. (You put in 8%, the Bank puts in 4%!)
• 401(k) Plan – Safe Harbor: Following the close of the year, employees receive a 3% discretionary contribution into their 401(k) plans regardless of participation.
• Employee Stock Purchase Plan (ESPP): All employees are eligible to participate in ESPP each year and can purchase stock at a 5% discount!
• Employee Annual Incentive Plan (EAIP): We succeed together! Employees hired before July 1 who achieve a rating of “meets expectations” or higher on their annual performance evaluation are eligible for the annual bonus, provided the Bank achieves its yearly goals. This bonus is paid out after the end of the year.
• Other free perks: All employees receive a free idLOCK checking account, a free savings account, a free safe deposit box, and various discounts on loans.
• Annual Merit Increases: All employees are eligible to receive an annual merit increase based on their performance evaluations.

The level of experience, size and complexity of credits, judgment, credit analysis ability, and performance will determine whether the individual is a level I or II Relationship Manager.

General Summary

Responsible for developing new commercial and consumer business; managing existing loan relationships; achieving new business, fee income, cash management and wealth management referrals, loan quality goals, and customer service goals as established in the Lending Division’s annual operating plan; working with and assisting Branch Managers and Treasury Management Personnel; complying with established operating policies and procedures; authoring Credit Underwriting Memorandums with credit analysts, maintaining current written call and pipeline reports for customers and prospects; keeping management informed on financial condition of assigned customers; completing monthly commercial watch summary reports on designated customers; responding to inquiries or requests for information; ensuring annual reviews are completed on all assigned customers; recommending downgrades and upgrades of existing customers; and maintaining appropriate records

Essential Duties

1. Develops and manages loan relationships, including specialized construction lending, commercial loans and mortgages, by performing the following:

• Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Loan Division’s annual marketing/sales plan.
• Solicits new business from present and prospective customers; interviews applicants; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
• Monitors individual sales performance versus objectives on a quarterly basis; routinely discusses performance with appropriate supervisor on a frequent basis.
• Serves as a member of the Bank's sales team; makes group sales calls where these types of calls will improve the opportunity for new business development.
• Maintains a thorough knowledge of the features and benefits of all bank products and services in order to ascertain customer needs and to sell in conjunction with these needs.
• Collects and analyzes financial statements, credit, and related information; provides direct service to customers of the Bank with respect to applicable products and services; approves or rejects loan applications within individual lending authority; negotiates provisions and structures of loans.
• Prepares for and makes presentations to appropriate loan committee.
• Assists customers in obtaining specialized services from other bank departments; provides assistance to customers to address and resolve specific inquiries or service problems.
• Maintains a knowledge of bank operating policies and procedures.
• Provides written call and pipeline reports and keeps management informed on financial condition of assigned customers and prospects.
• Ensures annual reviews are completed on all assigned customers; recommends downgrades and upgrades of existing customers as appropriate.
• Monitors loan repayment activities.
• Maintaining appropriate records and providing assigned reports.
• Completes monthly commercial watch credit summary sheets for designated customers
• Maintains a high level of professionalism at all times.

2. Attend business and professional meetings as a bank representative to develop new business and to gain information and leads on new business relationships.

3. Responds to inquiries relating to individuals' particular area of responsibility, or to requests from other bank personnel, customers, etc., within reasonable time frames and within established policy.

4. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.

5. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Bank Secrecy Act (BSA), Community Reinvestment Act (CRA), Equal Credit Opportunity Act, Code of Conduct, Privacy, etc.

6. Coordinates specific work tasks with other personnel within the department as well as with other divisions, and departments in order to insure the smooth and efficient flow of information.

7. Complies with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.

8. Communicates with management and staff personnel in order to integrate goals and activities.

9. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Job Location

JVB Professional Services

120 Regent Court, Suite 101

State College, PA

Equipment/Machines

Computer Biz Hub (Printer, Copier, Scanner)

Telephone

Calculator

Automobile

Requirements

Education/Training

• Bachelor’s degree or equivalent experience, preferred
• Diverse lending background, required
• Specialized banking education, training, and related experience, preferred

Skill(s)

• Proficient reading, writing, grammar, and mathematics skills
• Ability to analyze financial statements
• Thorough knowledge of the features and benefits of all commercial loan and business products and services, including cash management and wealth management
• Knowledge of bank operating policies and procedures which impact loan services
• Ability to be part of a team and work well with a diverse group of personalities, including but not limited to other Relationship Managers, Office/Branch Managers, other co-workers and customers
• Strong interpersonal, communicative and sales skills with a service orientation for both internal and external customers
• Aptitude to prioritize departmental workflow needs to meet established deadlines
• Ability to exemplify the 4C’s Values of JVB – Committed, Caring, Connected, Capable
• Visual and auditory skills and ability to stand, sit, stoop, reach and lift items weighing approximately 50 lbs.
• Valid driver's license

Experience:

• A minimum of ten (10) years' experience in banking, business and consumer lending, or related positions required

Salary : $85,000