Salary Range: $55,000 - $65,000

PRIMARY RESPONSIBILITY:

The GRB Commercial Relationship Manager Progression Program is designed to prepare individuals to become successful Commercial Relationship Managers. As a Commercial RM Trainee, participants will undergo a combination of e-learning, classroom, and hands on learning experiences with a primary focus on credit analysis for the first 12 to 24 months. Participants will learn about the GRB’s credit culture and the commercial loan underwriting process, eventually developing sales and relationship management skills as they progress through the program. Trainees will be responsible to assist Relationship Managers in servicing their commercial loan portfolios; obtain, analyze and evaluate financial and operating information in undertaking the preparation of credit analysis.

ESSENTIAL FUNCTIONS:

• Analyze financial statements of all levels of quality to develop an initial assessment of identifying strengths and weaknesses, as it pertains to a borrower’s historical operating performance.
• Conduct customer facing site visits and financial informational interviews with existing customers.
• Responsible for completing assigned annual reviews.
• Utilize the nCino platform for CCO level relationships and gain familiarity with all the functions, including the spreading system.
• Working with RMs, develop appropriate information for credit presentations to process renewals, extensions and new business requests. This includes, but not limited to, developing information on affiliated debt and relationships, preparation of the loan credit presentation sheet, developing data for the collateral analysis, and analyzing financial data.
• Review loan documentation file prior to presenting loan requests to appropriate loan committee to ensure that collateral meets approval requirements. Prepare written commercial loan analysis in a concise but complete format identifying major trends, issues and risks for presentation to loan committee.
• Review loan policy manual to insure that loans presented to loan committee meet bank policy requirements. Note any policy exceptions in the credit presentation.
• Active participation in demonstrating the behaviors outlined in the GRB Experience.
• Meet expectations in performance, productivity and quality standards.
• All other duties as assigned.

EDUCATION AND EXPERIENCE:

Bachelor’s degree in a business related discipline, or the equivalent combination of education and commensurate experience.

• Previous credit analyst or experience in commercial banking strongly preferred.
• Previous experience in public accounting a plus.

COMPETENCIES:

• Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
• Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
• Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
• Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
• Demonstrated PC literacy.
• Detail-oriented, conscientious, sensitive to confidential information, and efficient work habits required.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms. The employee frequently is required to stand, sit, climb or balance, and talk or hear. The employee regularly is required to walk and stoop, kneel, crouch, crawl, and climb stairs. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The work environment is indoor and climate controlled. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, gender identity, marital status, disability, veteran status, or any other basis protected by applicable federal, state or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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)