What are the responsibilities and job description for the Senior Relationship Manager position at Univest?
Overview
Univest Financial Corporation (UVSP), has approximately $8.2 billion in assets and $5.3 billion in assets under management and supervision (as of September 30, 2024). Headquartered in Souderton, Pa. and founded in 1876, the Corporation and its subsidiaries provide a full-range of financial solutions for individuals, businesses, municipalities and nonprofit organizations in the Mid-Atlantic Region. For nearly 150 years, Univest has stayed true to our philanthropic spirit and the strength of our Committed To Local giving program is one of the things that differentiates us. In 2023, Univest donated $2.4 million to our local nonprofits and our employees volunteered more than 13,100 hours.
At Univest we invest in the success of our employees and customers. We offer our employees the ability to be their authentic selves, while fostering a culture and an environment that inspires change and inclusivity. Seeking career-focused individuals, looking to bring passion and creativity to drive change. Our employees are encouraged to work collaboratively and embrace innovation to deploy needs based financial solutions in the communities we serve.
We're hiring a Senior Commercial Lender to join our Lehigh Valley Commercial Banking Team.
Responsibilities
Relationship management of a commercial portfolio including the formulation and implementation of a plan for portfolio growth.
Ultimately, the relationship manager will be expected to build a trusted, capable, and assured relationship with clients by having the capability and authority to provide financial solutions for life.
Cross-sell other bank services by partnering with other areas of the bank to enhance the overall marketing effort of the corporation.
Manage relationships and submit loan requests for underwriting and approval. Gather all pre-closing requirements, review commercial loan documentation, and attend loan settlements.
Accountable for developing new prospects and obtaining new clients for Univest.
Be knowledgeable about a customer’s business and plans for the future as well as the customer’s borrowing needs and ability to repay debt.
Establish and negotiate within loan policy and procedure the terms under which credit will be extended to qualified customers including interest rate repayment method and collateral requirements.
Increase visibility in the bank’s sales and marketing area by participating in business service and other non-profit community organizations.
Potential supervisory duties of non-sales roles. Accountable for coaching and developing a staff.
Accountable for compliance with laws and regulations that apply to this position including the Univest Code of Conduct.
Perform other duties as assigned.
Qualifications
Skills/Experience Required:
Communication/Relationship-Builder: Excellent social and communication skills. Customer-focused with strong knowledge of credit banking and investment products & processes. Ability to effectively communicate across all levels of the organization.
Goal-Oriented: Ability to cross-sell products along with proven sales and product expertise with business clients. Excellent negotiation skills and ability to negotiate within Commercial Lending Policy.
Relationship-Management: Strong organization in managing a commercial lending portfolio including loan origination and portfolio management. Manage risk within portfolio including loan risk ratings and loan pricing.
Financial evaluation: Ability to self-reliantly assess customer’s financial information to ascertain repayment capacity, collateral coverage, and strength of balance sheet. Assuredly create a finance offering based on financial performance and customer’s request.
Self-Management: Maintains composure in high-pressure situations. Ability to handle most problems/exceptions in a self-reliant manner. Strong community involvement in geographic area.
Guidance: Ability to align goals for performance with the vision of the organization and monitor productivity. Develop employees through coaching using positive and constructive feedback. Conduct timely performance evaluations.
Bachelor’s degree and/or equivalent experience in related area.
Software Proficiency: Microsoft Office specifically Word, Excel, Outlook, OneNote, PowerPoint and SharePoint.
Experience/Skills Preferred
Prior Salesforce and nCino experience.
Knowledge of commercial lending processes and procedures.
Minimum of ten years of industry experience in a commercial lending sales role.
Software Proficiency: General comprehension of video conferencing technology including Microsoft Teams, Zoom or WebEx.
Wage Range
Starting at $100,000
Benefits Overview
Univest offer's a comprehensive benefits package that includes:
#Univest
An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
Univest Financial Corporation (UVSP), has approximately $8.2 billion in assets and $5.3 billion in assets under management and supervision (as of September 30, 2024). Headquartered in Souderton, Pa. and founded in 1876, the Corporation and its subsidiaries provide a full-range of financial solutions for individuals, businesses, municipalities and nonprofit organizations in the Mid-Atlantic Region. For nearly 150 years, Univest has stayed true to our philanthropic spirit and the strength of our Committed To Local giving program is one of the things that differentiates us. In 2023, Univest donated $2.4 million to our local nonprofits and our employees volunteered more than 13,100 hours.
At Univest we invest in the success of our employees and customers. We offer our employees the ability to be their authentic selves, while fostering a culture and an environment that inspires change and inclusivity. Seeking career-focused individuals, looking to bring passion and creativity to drive change. Our employees are encouraged to work collaboratively and embrace innovation to deploy needs based financial solutions in the communities we serve.
We're hiring a Senior Commercial Lender to join our Lehigh Valley Commercial Banking Team.
Responsibilities
Relationship management of a commercial portfolio including the formulation and implementation of a plan for portfolio growth.
Ultimately, the relationship manager will be expected to build a trusted, capable, and assured relationship with clients by having the capability and authority to provide financial solutions for life.
Cross-sell other bank services by partnering with other areas of the bank to enhance the overall marketing effort of the corporation.
Manage relationships and submit loan requests for underwriting and approval. Gather all pre-closing requirements, review commercial loan documentation, and attend loan settlements.
Accountable for developing new prospects and obtaining new clients for Univest.
Be knowledgeable about a customer’s business and plans for the future as well as the customer’s borrowing needs and ability to repay debt.
Establish and negotiate within loan policy and procedure the terms under which credit will be extended to qualified customers including interest rate repayment method and collateral requirements.
Increase visibility in the bank’s sales and marketing area by participating in business service and other non-profit community organizations.
Potential supervisory duties of non-sales roles. Accountable for coaching and developing a staff.
Accountable for compliance with laws and regulations that apply to this position including the Univest Code of Conduct.
Perform other duties as assigned.
Qualifications
Skills/Experience Required:
Communication/Relationship-Builder: Excellent social and communication skills. Customer-focused with strong knowledge of credit banking and investment products & processes. Ability to effectively communicate across all levels of the organization.
Goal-Oriented: Ability to cross-sell products along with proven sales and product expertise with business clients. Excellent negotiation skills and ability to negotiate within Commercial Lending Policy.
Relationship-Management: Strong organization in managing a commercial lending portfolio including loan origination and portfolio management. Manage risk within portfolio including loan risk ratings and loan pricing.
Financial evaluation: Ability to self-reliantly assess customer’s financial information to ascertain repayment capacity, collateral coverage, and strength of balance sheet. Assuredly create a finance offering based on financial performance and customer’s request.
Self-Management: Maintains composure in high-pressure situations. Ability to handle most problems/exceptions in a self-reliant manner. Strong community involvement in geographic area.
Guidance: Ability to align goals for performance with the vision of the organization and monitor productivity. Develop employees through coaching using positive and constructive feedback. Conduct timely performance evaluations.
Bachelor’s degree and/or equivalent experience in related area.
Software Proficiency: Microsoft Office specifically Word, Excel, Outlook, OneNote, PowerPoint and SharePoint.
Experience/Skills Preferred
Prior Salesforce and nCino experience.
Knowledge of commercial lending processes and procedures.
Minimum of ten years of industry experience in a commercial lending sales role.
Software Proficiency: General comprehension of video conferencing technology including Microsoft Teams, Zoom or WebEx.
Wage Range
Starting at $100,000
Benefits Overview
Univest offer's a comprehensive benefits package that includes:
- Health Insurance: Medical, dental and vision coverage (single or family; begins the first of the month following start date)
- Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment
- Paid Time Off (PTO): 15 days annually (prorated your first year)
- Short Term Disability: 10 days annually of sick time with a doctors note (prorated your first year)
- Holiday Time Off: 11 paid holidays
- Commissions: paid quarterly based on individual and team production
- We offer company paid life insurance: as well as other supplemental insurances
- Tuition reimbursement
- Employee Wellness programs: including fitness club discounts and fitness tracker discounts/ annual reimbursement
- Discounts: on loan products
- Professional development trainings
#Univest
An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
