Commercial Banking Relationship Manager

Why you should consider applying to this opportunity:

• You're excited to build relationships with Commercial & Industrial Clients (revenues $50 million- 2 billion, loan size $10 million - 30 million ).
• You value direct access to the decision maker’s on loan approvals and pricing decisions. You want to work on a strong team where you get autonomy to build relationships and have end to end ownership.
• You want flexibility on how your day is structured.

About the Role:

We are seeking a candidate with deep-rooted connections and extensive networks in the Orlando market. The ideal candidate will have established relationships with key Centers of Influence (COIs), specifically companies in Orlando with revenues exceeding $50 million, and will be eager to work on loans above $15 million in size. Our focus is on Commercial and Industrial (C&I) companies, including owner-occupied real estate. Additionally, the candidate should have experience with Syndicated loans and Asset-Based Lending (ABL) loans. The Commercial Banking Relationship Manager's main responsibility is business development, credit quality, relationship development and retention and to be a liaison with other business line partners to meet their clients' Banking needs.

Responsibilities:

• Business development with a focus on acquisition of new clients and expanding relationships with existing clients.
• Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank.
• Develop network of external referral sources/centers of influence (COI's) in order to attract new clients.
• Maintain, grow and service assigned portfolios and appropriately cross sell other bank products.
• Overall accountability for driving the profitability, quality, and growth of portfolio.
• Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices.
• Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
• Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file.
• Monitor and report changes in credit quality.
• Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.

Qualifications:

• Excellent and effective interpersonal and presentation skills as well as written and verbal communication skills.
• Proven track record of prospecting new business and enhancing existing relationships.
• Excellent ability to critically review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation.
• Formal credit training preferred.
• Ability to work totally independently or as a team to achieve overall Departmental goals using sound judgement in decision making.
• Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems.
• Familiarity with professional business practices (time management, communication and appearance).

Required Experience:

• High School Diploma or equivalent and a minimum of 7 years of related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver's license.
• Bachelor's degree in Finance, Accounting or business related study and/or formal Commercial Credit training preferred.