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Stellar Bank · 5 months ago

Senior Commercial Relationship Manager- Port Arthur

Port Arthur, TX, USA

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Stellar Bank is a newly formed financial institution that prioritizes responsive, relationship-based community banking. They are seeking a Senior Commercial Relationship Manager responsible for developing profitable client relationships, overseeing lending activities, and ensuring compliance and risk mitigation within the commercial portfolio.

BankingFinancial ServicesPersonal Finance

Responsibilities

Serve as first point of contact for prospective customers and second point of contact for existing customers, if assigned to an office with a Portfolio Manager and Lending Assistant

Responsibile for activities conducted within portfolio including credit risk

Direct Credit Analyst, Lending Assistant, and Portfolio Manager, as applicable, to ensure successful results including improved client experience, compliance and risk mitigation, and increased profitability while upholding Stellar Bank Values

Responsible for all prospecting and sales activities to develop a Commercial portfolio of loans, deposits, fee income and treasury sales

Final review and presentation of credit packages to loan committee

Manage and ultimately responsible for credit risk in direct portfolio

Work with Credit Analyst and/or Portfolio Manager on narrative comments and review overall credit package

Mitigate risk within total portfolio

Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training

Review and analyze trends

Conduct annual reviews

Administer the monitoring & managing of exceptions

Manage maturing loans

Manage Anti-Financial Crimes request with customers

Review loan documents

Work with clients to collect documentation and answer questions during loan underwriting

Qualification

Banking relationship managementCredit analysisSales acumenBusiness lending experienceMicrosoft OfficeAnalytical reasoningVerbal communicationWritten communicationRelationship building

Required

Bachelor's degree in finance or business related field, or equivalent work experience required

10+ years' experience in banking relationship management role or related business lending experience; direct in-person contact preferred

General knowledge of core business products and services including deposit and Treasury Services

Strong understanding of credit products, credit application process, and potential outcomes

Ability to build relationships with clients and internal partners and influence others without direct control

Ability to identify opportunities and issues by asking targeted questions to assess current client needs and goals

Ability to consider and balance client needs and objectives with respect to associated challenges and risks

Ability to determine priorities on a daily basis and maintain a balanced work approach to achieve business objectives

Understanding of general and sound business practices, financial and economic concepts, accounting, risk, profitability, business law and how business needs vary by industry/market

Must possess strong written, credit analysis and verbal communication skills with individuals at all levels, internally and externally

Proven track record of consistent loan and deposit production with strong sales acumen

Working knowledge of Microsoft Word, Excel and Outlook software