• Identifies and develops profitable relationships with prospects and clients consistent with the objectives of the bank through extensive business development activity.
• Works closely with existing and new clients to understand their specific financial requirements and provide effective solutions, while maintaining the credit quality standards of the bank.
• Develops relationships and supports other CNB departments and colleagues to provided customers and prospects the appropriate banking solutions. This position will work closely with colleagues of Personal and Business Banking to further develop and expand existing relationships within an assigned territory.
• Proactively engage with all sales support partners in jointly presenting appropriate banking solutions to clients and prospects.
• Proactively present both business and consumer product solutions to all clients and prospects. Partner with branch colleagues for consumer product fulfillment.
• Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.
• Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Develops a strong understanding of company, industry, business and needs to assist in client calling efforts. Sets objectives for each relationship in terms of cross sell opportunity and revenue contribution, etc.
• Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
• Negotiates transactions; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in approving transactions. Recommends approval of credits meeting the banks credit standards. Ensures the quality of all business introduced to the Bank.
• Monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.
• Maintains awareness of competitive products, practices, rates and changes in market conditions.
• Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
• Relationships in portfolio may require extensive operational expertise to manage workflow to match client needs, and is responsible for monitoring and mitigating any operational risk factors.

Must-Have*

• Bachelor's Degree or equivalent experience
• Minimum 5 years of banking experience required.
• Minimum 3 years of commercial lending experience within the segment required.
• Minimum 1 year of credit experience required.
• Good standing under “The Secure and Fair Enforcement for Mortgage Licensing Act of 2008” (Safe Act) and be registered/licensed with the “Nationwide Mortgage Licensing System and Registry” (NMLS); or must be able to be registered under the Safe Act.

Skills and Knowledge