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South Shore Bank · 2 months ago

Commercial Banking Relationship Manager

Granite, CO

Full-time

Onsite

Senior Level, Lead/Staff

$175K/yr - $210K/yr

10+ years exp

South Shore Bank is a locally managed mutual bank focused on serving communities. The Commercial Banking Relationship Manager is responsible for developing and managing complex relationships in the Commercial Loan Department, with a primary focus on C & I borrowers, while promoting growth and ensuring compliance with loan covenants.

Financial ServicesVenture Capital

Responsibilities

Generates loans, deposits and new commercial accounts through active business development

Work with the Chief Commercial Banking Officer and Commercial Banking Team Leads to further build the C & I portfolio and CRE portfolio

Focus on C & I prospects including owner occupied reals estate mortgages as well as CRE prospects

Analyzes, underwrites and presents credit recommendations for commercial loans of all types

Analysis will include in-depth review of business and individual financial statements, tax returns and other relevant credit information including collateral analysis

Manages and services accounts within portfolio through timely collection and analysis of financial and other information to ensure ongoing compliance with loan covenants and general credit risk standards

May present requests to management and the Loan Approval Committee when the loan is beyond departmental authority

Process requests to advance funds from lines of credit by reviewing borrowing base certificates and other financial information, etc

Interact with customers independently to address non-routine servicing matters or other risk related issues

Prepare term sheets and commitment letters and interact with attorneys, etc. in order to prepare for and close loans per the approved loan terms

Effectively cross-sells bank products and services

Develops solid knowledge of market for marketing and portfolio management purposes

Recommends improvements to loan policy

Provides input for development of the annual budget and strategic plan for the department

Participates in community affairs to increase the bank's visibility

Ensures compliance, within area of responsibility, with bank policies as well as Federal, State and local laws

Qualification

Credit managementBusiness developmentFinancial analysisFormal credit trainingMicrosoft OfficeMathematical skillsCommunicationProblem-solving

Required

Bachelor's degree (B.A) or equivalent; or ten - fifteen years related experience and/or training; or equivalent combination of education and experience

Formal credit training and/or related experience

Ability to read, analyze, and interpret financial reports, legal documents and common scientific and technical journals

Strong computer skills including Microsoft Office applications

Strong communication skills, both oral and written

Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community

Ability to effectively present information to top management, public groups, and/or boards of directors

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry

Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

Ability to define problems, collect data, establish facts, and draw valid conclusions

Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables