POSITION OVERVIEW:The VP - Relationship Manager II is responsible for originating, evaluating, and structuring complex loan requests and transactions. Additional responsibilities include overseeing day-to-day portfolio management and cross-selling of the Bank's products and services and increasing the Bank's visibility and presence in the marketplace. This is a more experienced position within the job in the family.
KEY RESPONSIBILITIES:- Solicits credit-worthy potential and existing customers in an effort to develop new business and increase or retain existing business within the framework of the policy and procedures of the Bank. Promotes profitable growth of the loan portfolio and maximum customer responsiveness
- Oversees the preparation of loan presentation including detailed financial analysis and assessment of borrower's financial capacity and creditworthiness.
- Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure displaying sound credit judgment.
- Establishes and promotes customer and community relationships; cross sells other Bank products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.
- Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.
- Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.
MINIMUM QUALIFICATIONS:- 5-10 years related within financial industry
- Bachelor's degree in accounting, Finance or Business Administration Comprehensive loan analysis experience.
- Comprehensive loan analysis experience.
- Comprehensive financial analysis experience.
- Comprehensive knowledge of underwriting techniques.
- Proven new business track record.
- Strong oral, written and communication and management skills.
- Proficient with software programs (Microsoft Word, Excel and Argus).
WORKING CONDITIONSWork is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations.
- Prolonged sitting
- Lifting from 5 to 10 lbs. (printer paper, storage boxes)
- Occasional bending or overhead lifting (storing files or boxes)
- The hazards are mainly those present in a normal office setting.
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.Pay Details:$123,900 - $170,000 annually
Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.
This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.
Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.
