OverviewThis position is responsible for identifying customer needs and matching them with the appropriate bank products and services to enhance a current or prospective customer's satisfaction, loyalty, and financial well‑being. This position will develop proactive sales/service efforts and portfolio management skills to grow a portfolio of business and consumer clients while mitigating credit risk.ResponsibilitiesRecommendations for credit approval on larger credits to Credit Administration on a consistent basisMaintains professional community relations, including leadership roles, to increase the bank's visibility and new business opportunities, and to further personal developmentRecommend promotional sponsorships to senior managementMaximizes the department's profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts.Provides guidance to less experienced relationship managersAttracts new business relationships and expands existing business relationships through the call program.Participate in community, professional, and trade organizations.Advise and counsel directly with customers to understand their financial needs and appropriate products and services to offer them.Originate and submit credit requests promptly for decisioning via organized loan packages that present the needed credit documentation and identify the appropriate credit issues.Provide high level of customer service to existing clients to build relationships, to expand development of business, and to identify and create cross‑selling opportunities for other product lines.Practice business development skills by performing business calls to customers and prospective customers to gain further experience in outside loan production, negotiations and support achievement of growth goals.Mitigate credit weaknesses, past dues and exceptions through proper loan portfolio management skills including proper risk analysis and identification of risk rate, early renewal processing, loan document preparation and closing, collateral analysis, past‑due collection management, etc. Work with Audit, Loan Review and the Office of the Comptroller of Currency as needed.Assess and prioritize simultaneous multiple responsibilities effectively.All work must be performed within the bank's guidelines, policies, procedures and standards of performance.Perform additional duties as assigned.QualificationsMinimum of 8 years of experience in either sales, banking or business developmentAdvanced oral and written communication skillsProven track record in sales and business developmentExcellent ability to develop strong professional working relationships with customers and internal partnersExcellent track record of negotiation and decision‑making skills to serve the best interest of the bank and borrowerProven ability to successfully focus on results, be flexible, and prioritize simultaneous work assignmentsIn‑depth knowledge of products and services offered by financial services institutionsConsistently and successfully demonstrated an understanding of lending, credit analysis, and credit approval processes as well as pertinent bank policies and external regulationsExperience properly managing a business loan portfolio with varied terms and collateral, including real estateExcellent oral and written communication skillsDemonstrated effectiveness in sales and business developmentDemonstrated ability to develop professional working relationships with customers and internal partnersDemonstrated effectiveness in negotiation and decision‑making skills to serve the best interest of the bank and borrowerFamiliarity with products and services offered by financial services institutionsDeveloped understanding of business lending, credit analysis, and credit approval processes as well as pertinent bank policies and external regulationsAdvanced knowledge of Microsoft Word and Excel applicationsFour‑year college degree in business, finance, accounting or related field of study with 5 years of customer relationship management experience in banking or similar field preferredPhysical Requirements/Working ConditionsMust be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.#J-18808-Ljbffr