Commercial Relationship Manager III

Commercial Relationship Manager III

Job Category: Commercial

Requisition Number: COMME008862

Full-Time

Hybrid

Salary Range: $103,046 USD to $171,947 USD

Location: Frederick, MD 21701, USA

Job Details

Position Accountabilities

Work closely with internal partners to develop new business relationships and retain existing customer relationships.

Develop and maintain a quality loan portfolio with an emphasis on companies with revenues between $10 - $60 million, obtaining deposits and cross-selling other bank products and services.

Prepare correspondence, commitment letters, loan memorandums, and associated documents as required.

Monitor loan portfolio and maintain updated financial information.

Expand existing knowledge base of commercial and other products and services, including loan policy, documentation, structuring, and regulatory requirements.

Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure, and business strategy as well as commercial and regulatory guidelines.

Identify and capitalize on cross-sell opportunities and make appropriate referrals.

Execute a call program to acquire, retain, and expand customer relationships.

Maintain pipeline of existing relationships and new prospects.

Collect and maintain financial information on borrowers and interact with customers to ensure that all banking needs are being met.

Assist in mentoring teammates, including credit analysis, financial spreading, and underwriting.

Provide financial advice to customers and profitably sell appropriate products and services to those prospects and clients.

Work with Treasury staff to solicit treasury services and deposit accounts.

Ensure that own work is in compliance with applicable policies, procedures, laws, regulations, and guidelines.

Participate in organizations and projects to establish referral contacts and Centers of Influence (COI) within the community.

Other duties as assigned.

Organizational Relationship

This position typically reports to a Team Leader, Group Leader, or Regional President.

Position Qualifications

Education & Experience

• Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience
• Minimum 5-8 years of commercial banking experience and a proven track record of generating deposit and fee income

Knowledge & Skills

• Strong credit skills evident
• Ability to service and originate more challenging and complex C&I loans
• Proficient in analyzing complex financial statements and credit applications
• Strong professional writing skills, can articulate a customer's business needs succinctly and accurately in credit packages
• Demonstrates effective problem solving and excellent collaboration and inter-personal communication skills
• Possesses excellent C&I lending and product knowledge and organization skills
• Ability to make knowledgeable loan decisions based on information supplied by the customer verified through a rigorous underwriting process, strong ability to structure loans
• Proven track record with sales and new business development in conjunction with exceeding sales goals
• Ability to work well in a sales driven environment
• Ability to manage multiple tasks at one time without supervision
• Knowledge of applicable laws and regulatory compliance related to commercial lending
• Proficient computer skills with good working knowledge of Microsoft Office programs including Excel, Word, and Outlook

We are proud to be an EEO/AA employer, Minority/Female/Disability/Veteran. We maintain a drug-free workplace.

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program.