Overview

Coordinates at a senior level with the sales team to establish, build and sustain Commercial Banking relationships with companies with gross sales of generally less than $25mm. Responsible for the overall success and growth for assigned sales territory. Represents the bank as the primary relationship manager with clients in the book of business. Involved in the credit process including Credit Underwriting, Portfolio Management and Review, Risk/Credit Grading and Risk identification and management. Portfolio management will include servicing, covenant compliance, collateral monitoring.

Principal Duties & Responsibilites:

• Meets or exceeds individual sales and retention goals adhering to corporate, legal, and regulatory policies, guidelines, and requirements regarding compliance.
• Independently expands existing relationships and solicits new business through client referrals and cold calling efforts to meet or exceed the Bank’s strategic goals.
• Generates proposal and develops sales strategies at an expert level.
• Develops, expands, and maintains referral sources.
• Documents relationship process.
• Works with clients in analyzing problems and propose solutions.
• Acts as the client’s advocate in securing suitable credit and cross selling products and services.
• Structures and completes secured and unsecured business loans.
• Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document.
• Organizes and leads involved sales initiatives, including generating complex, customized proposals.
• Works to develop and maintain solid relationships with all partners.
• Maintains expert level knowledge of all bank products and services.
• Participates in special projects as needed.
• Must be willing to participate in community organizations and activities.
• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

Qualifications

• 2-4 years in Commercial Banking experience.
• Must have strong credit and lending understanding and experience.
• Must be highly capable of meeting sales goals, independent activity in direct banking sales and credit support as well as maximizing cross-sell opportunities and relationship profitability.
• Knowledge of commercial banking products and services including credit analysis, underwriting, and treasury management products and services.
• Demonstrated strong financial acumen and high level of problem solving skills.
• Effective communicator, results oriented, demonstrates the ability to excel in high-pressure situations.
• Knowledge of Microsoft Office products: Word, Excel and Outlook.
• Exhibit strong interpersonal skills with the ability to cultivate long term relationships and influence others internally and externally.
• Formal credit training, preferred.

Education

• Bachelor's Degree in Business Administration or an equivalent.

Special Instructions to Candidates

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.