A Commercial Relationship Manager is responsible for originating commercial loans and for cross-selling Bank products to commercial accounts. Incumbents are expected to meet or exceed production goals. PRINCIPAL ACCOUNTABILITIES  Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.  Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements.  Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicants business and/or collateral, review of interim financial reports, personal interview, and other means.  Presents loan requests to the executive loan committee when the proposed loan dollar volume exceeds the departments lending authority.  Authorizes or rejects overdrafts in depository account within established authorities.  Monitors loan repayment activities and takes necessary action to collect from past-due accounts.  Advise customers, where possible, concerning business management and financial matters.  Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services.  Develops new business by contacting prospects and customers, cross-sells bank services.  Prepares lending activity reports for department management.  Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on corporate and commercial lending activities.  Participates in community affairs to increase the banks visibility and to enhance new business opportunities.  Maintains professional and community relations to increase the banks visibility and new business opportunities, and to further personal development.  Performs other specifically assigned duties. OTHER SKILLS/QUALIFICATIONS  Requires strong knowledge of personal computer, Microsoft Office and other software used in department.  Must be able to prepare documents and compose business letters and memorandums.  Must be able to maintain confidentiality of customer and employee information.  Must be a self-starter and able to work independently.  Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.  Must be able to work at a faster than average pace and able to multi-task. WORK ENVIRONMENT Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relation skills with customers and bank associates. Must be willing to participate as a team member. Must be committed to the Banks mission and goals. DIMENSIONS REQUIRED:  Provides commercial loans in compliance with the Banks policies and procedures  Bachelors Degree in Business, finance or equivalent work experience in related field and 3-5 years of previous commercial lending experience in a bank or loan setting Work Location: 4100 NW 37th Pl Gainesville, Florida 32606