What are the responsibilities and job description for the Commercial Relationship Manager position at Century Bank?
Title
Commercial Relationship Manager
Department
Commercial Loan Department
Reports to
Regional President
Duties and Responsibilities:
Develops new customer prospects and business for the bank across all lines of business.
Responsible for and servicing a variety of commercial loans.
Evaluates potential customer loan requests and makes loan recommendations.
Analyzes applicant financial status and credit to determine feasibility of granting loans.
Approves loan within established guidelines and / or refers loan to loan committee for approval.
Negotiates credit terms, such as costs, loan repayment methods and collateral specification.
Verifies loan documentation is complete and accurate according to policy and loan approval terms.
Maintains knowledge of laws and regulations that influence business lending and customer relationships within the bank.
Provides assistance and training for newer commercial loan officers.
10. Represent the bank by joining local organizations and non-profits as a board member or volunteer.
11. Responsible for managing assigned loan portfolio including covenant compliance, ticklers and other portfolio tasks.
Education/Job Experience/Skills:
Bachelor’s degree in business, finance, accounting and/or at least 4 -6 years of experience in the field or in a related area.
Strong leadership skills, ability to work effectively with both customers, support staff, and management.
Possesses a high level of analytical ability to determine loan feasibility. Familiar with concepts, practices, and procedures in commercial loan department.
Ability to make decisions, work independently and communicate effectively, both orally and in writing.
Strong knowledge of laws, regulations and bank policies and procedures pertaining to commercial lending and other bank products and services.
Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks and a wide degree of creativity and
latitude is expected.
This job description in no way implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to perform any other job-related duties assigned by the supervisor. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.
Century Bank is an Equal Employment Opportunity/Affirmative Action employer and does not discriminate on the basis of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age or veteran status.
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