Commercial Banker (Litigation)

JOB FUNCTION / SUMMARY: Responsible for the management, retention, and expansion of existing business relationships, the development of new business, and the servicing of a variety of commercial relationships.  Grows revenue as directed by senior management by successfully prospecting for new business and retaining and expanding existing customer relationships.  Manages a portfolio of up to 75 clients with credit outstanding up to $50MM.  Business development activities typically focus on businesses with sales of $2MM - $25MM that operate in our defined targeted industries.  Functions with minimal levels of individual authority and negotiates with strict adherence to established guidelines, credit pricing, terms, and structure. ESSENTIAL DUTIES & RESPONSIBILITIES: Primary Duties: 3 Solicits new and prospective loan and deposit relationships for the Bank. 3 Develops and executes a business development plan to achieve established goals and objectives. 3 Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long term profitable customer relationships and become the clients trusted financial partner through needs based solutions. 3 Identifies cross-sell opportunities for each assigned relationship. 3 Markets to assigned clients and prospects a broad range of financial products. 3 Build internal relationships with other departments such as Product Management, Treasury Management, and Credit Underwriting to enhance the overall banking relationship ensuring the customers business objectives are met. 3 Proactively seeks knowledge and mentorship from more Senior Relationship Managers to develop a thorough understanding of bank products, services, credit standards, and bank pricing parameters, business development programs/automated systems. Additional Duties: 3 Partners with the Commercial Underwriter to assess the customers credit risk and structure a credit solution that fits the customers needs while remaining within acceptable risk guidelines. 3 Identifies client needs and works with customers to offer appropriate bank products and services. 3 Cultivates prospects independently through customer referrals, networking, participation in professional organizations, social contacts, and relationships built in the community. 3 Develops relationships with customers through calling and customer support activities. 3 Routinely monitors loan portfolios credit quality status to ensure loans are current and conform to terms; quickly identifies and manages risks to minimize impact. 3 Analyzes customer credit status or obtains appropriate central underwriting approval and related documentation to ensure portfolio quality and yield are maintained. 3 Uses automated business development system to manage individual calling program, schedule appointments, develop customer profiles or cross-sales opportunities, follow-up with customers, and book new business. 3 Keeps abreast of industry, competitor, financial market and other changes that may impact their portfolio or department. 3 Responsible for assembling financial information and coordinating the generation of complete loan packages for approval presentation. 3 Performs other duties and special projects as assigned by Senior Management. 3 Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act. SUPERVISORY RESPONSIBILITIES: None MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE: 3 Bachelors Degree required; major in Accounting or Finance preferred 3 Minimum 3 -5 years of relationship management experience selling banking products 3 Proficient in credit underwriting fundamentals and prior credit experience including financial analysis 3 Knowledge of commercial loan products & lending / compliance regulations. ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS: 3 Ability to lift/move/carry approximately 30 pounds if required to perform the essential job functions.  If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an undue hardship then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.