Commercial Relationship Manager

JOB SPECIFICATIONS

Education—Bachelor’s Degree in Business, Finance, or related area

Experience—Typically requires 5 or more years of prior commercial lending experience, strong credit and analytical skills and knowledge of Bank services

 ESSENTIAL FUNCTIONS

• Develop new business by contacting prospects and clients in order to meet loan growth and profitability goals
• Interview loan applicants and collect and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
• Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements
• Collect and analyze information that reflects the current creditworthiness of clients and the current merits of existing loans.  Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interview
• Ability to analyze highly complex credit requests that may include: commercial real estate, asset-based lending, commercial lending and general lending to business and professional clients
• Responsible for timely submission of all financial data to the Credit Analyst
• Ensure timely and thorough monitoring of all credits through periodic reviews, continual analysis and proper documentation
• Manage existing loans. Monitor loan repayment activities and take necessary action to collect from past due accounts (except special assets).  Report on classified loans to the Chief Credit Officer periodically
• Remedy deficiencies when appropriate 
• Advise clients, where possible, on business management and financial matters
• Meet loan growth and profitability goals. Develop new business by contacting prospects, clients and customers
• Cross-sell Bank services to other departments as well as OPB Trust and OPWM
• Undertake special projects relating to departmental services
• Participate in community affairs to increase the bank’s visibility and to enhance new business opportunities
• Conduct business and work relationships in a consistently ethical, professional, and courteous manner 
• Be knowledgeable of bank compliance rules and adhere to Federal and State banking regulations relating to this position
• Follow all Bank compliance policies and procedures relating to this position Be knowledgeable of bank compliance rules and adhere to Federal and State banking regulations relating to this position
• Follow all Bank compliance policies and procedures relating to this position
• Other duties as assigned to meet client and operational needs

BENEFITS

• Paid Vacation and Sick Leave
• 11 Paid Holidays
• Health, Vision and Dental insurance options
• Bank Paid Life, AD&D, and Long-Term Disability Insurance
• 401K and Profit-Sharing Plans
• Eligibility to participate in Section 125 Flexible Spending Plans
• Fitness Club Reimbursement

WORK CONTEXT:  

• Ability to concentrate and focus on essential functions in appropriate priority order is required.
• Requires being punctual, dependable, detail oriented and responsible for work outcomes and results. 
• Requires sitting for long periods and traveling to other departments and locations, as needed.  
• Requires contact with others by telephone conversations, use of electronic mail, and face-to-face discussions.  
• Requires completion of assigned on-line training courses with a passing percentage.  
• Professional environment requiring appropriate professional demeanor and attire. 
• Work is performed indoors in environmentally controlled conditions.
• Ability to lift up to 30 lbs. if necessary

SKILLS:

• Solid knowledge of banking regulations, compliance issues and Bank policies
• Familiarity and experience with a variety of financial institution concepts, practices and procedures
• Solid understanding of Generally Accepted Accounting Principles and Tax Acco