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Fidelity Bank LA · 3 months ago

Commercial Relationship Manager 3

Mandeville, LA

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Fidelity Bank LA is committed to creating a better future for its communities and associates. They are seeking a Commercial Relationship Manager 3 who will be responsible for developing and managing commercial business relationships, evaluating and structuring commercial loans, and providing a consultative banking approach to clients.

BankingFinancial Services

Responsibilities

Develop and maintain commercial loan relationships in a loan portfolio

Establish and maintain involvement in local civic and community organizations with a preference on leadership roles

Develop and maintain relationships that present commercial loan and deposit opportunities

Process commercial loans and analyze and screen loan requests for all types of loans

Gather related financial and general business information, perform financial analyses needed to make credit decisions and communicate with prospects and customers to close opportunities

Analyze the credit history of applicants and determines their loan repayment capabilities

Negotiate credit terms, such as costs, loan repayment structure and collateral specifications

Develop and maintain interest rate structure to be consistent with financial institution policies and procedures and to be competitive with current market rates

Evaluate potential customer loan requests and make loan recommendations to management

Package loans and recommend loan terms and conditions with support from the Credit Department

Develop broader knowledge base of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements

Responsible for managing problem loans within a portfolio

Responsible for clearing documentation and financial exceptions

Continue developing and growing network of referral sources for new business

Facilitate business development activities such as calling on prospects and being present within the community

Make retention and business development calls on existing and potential new clients

Manage commercial lending portfolio independently with support from Market President

Represent the financial institution at various civic and community functions

Work on projects and committees as needed

Consistently exemplify our Core Values of Integrity, Community, Dependability, Excellence, Longevity, and Accountability

Comply with regulatory rules and regulations evidenced through successful completion of training and demonstrated ability

Perform other duties and/or special projects as appointed by management

Physical Requirements: primarily sitting with some standing, walking, lifting and bending

Qualification

Commercial banking experienceBusiness underwritingCreditFinance knowledgeFinancial analysisMicrosoft Office SuiteSales skillsLeadership skillsAnalytical skillsProblem solvingCommunication skillsInterpersonal skillsOrganizational skills

Required

Bachelor's degree in a related business field or 4 years of related experience

10+ years of experience managing commercial banking relationships to include loan production and other financial services

Extensive understanding of technical aspects of business underwriting, loan structure, and deposits

Extensive understanding of credit and finance

Knowledge of economic and accounting principles and practices, the financial markets, banking, analysis and reporting of financial data

Ability to maintain confidentiality, maintain high integrity and adhere to the institution's privacy policies, regulations and procedures

Ability to travel across the company footprint

Proficient in Microsoft Office Suite to include Word, Excel, Outlook, PowerPoint, Teams

Developed cognitive skills to include Analytical, Problem Solving, Judgement, Organization & Planning, Innovation

Developed intrapersonal skills to include Follow-Through, Optimism, Tenacity, Resourcefulness, Ambition

Developed interpersonal skills to include Communication: Listening, Speaking, and Writing, Resilience & Balance, Client Focus, Influence, Collaboration

Developed technology skills to include Knowledge Management

Developed leadership skills to include Developing Followers, Achieving Results, Relationship Management, Implementing the Vision, Strategic Thinking, Leading & Managing Change, Business Acumen

Developed sales skills to include Preparation, Connecting, Knowledge, Presence, Sales Drive, Prospecting, Opportunity Pipeline Management

Previous supervisory experience