Description:
Responsible for proactive management of a commercial loan portfolio and related commercial deposit accounts along with delivering superior client services to retain and grow the portfolio. This role will assist the RM/BDO in initial underwriting for new pre-screen memos, coordinate loan renewals, recommend structure, create new Salesforce Opportunities, coordinate closings in addition to identifying cross-selling and referring opportunities to other Bank solution partners. Ongoing credit monitoring and risk rating management will be essential to mitigate risk consistent with the Lending Policy.
Essential Duties And Responsibilities
- Assist clients and RMs as the primary client contact on daily account activity by solving complex customer questions and, as necessary, assisting with daily transactions in a timely manner.
- Maintain and help solidify existing relationships with proactive calling activity and identifying bank products to deepen the client relationship while providing superior client service.
- Support the Bank’s RM/BDOs in cross-selling deposit, treasury management, private banking, card services, wealth and other bank services as an additional point of contact.
- Coordinate the loan renewal process by working with the RM/BDOs, Underwriters and others within the Credit Administration team.
- Assist the RM team with timely and accurate completion of new commercial credit pre-screen presentations, including analysis of appropriate data per credit policy, bank procedures, and regulatory requirements.
- Create Salesforce Opportunities consistent with approved and executed LOIs in order to route to Loan Coordinators and independent Credit Underwriters for timely loan decisions among credit approvers.
- Oversee loan documentation process to ensure the team’s loan documents are consistent with credit approvals and are accurately prepared, including appropriate signatures, disclosures and credit authority.
- Monitor compliance with loan agreements by working with the RMs and Clients to ensure timely receipt and review of financials for covenant compliance and other loan agreement conditions.
- Work closely with Credit Administration to report on loan activities related to past dues, documentation, collateral exceptions and financial performance updates for all clients.
- Along with the Relationship Manager/BDO, reinforce the application of a proactive outreach and marketing strategy with centers of influence and other industry leaders.
- Represent the bank at various professional, civic and community activities or events when necessary.
- Utilize Salesforce to log and maintain all calling activity on a weekly basis while keeping client data up to date within the system.
- Perform other duties as required.
Qualifications
- Superb people skills to work within a team environment and successfully develop and retain client relationships.
- Proven ability to identify other client service needs including loans, deposits and treasury management services.
- Self-motivated to work independently and take ownership.
- Effective time management and organizational skills in order to prioritize multiple tasks within a day.
- Must have demonstrated skills in commercial credit underwriting and portfolio management for small-to-mid-sized companies.
- Superior analytical and decision making skills based on a thoughtful assessment of risk.
- This position requires the use of sound business discretion, good judgment, and excellent problem solving skills.
- Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
Supervisory Responsibilities
Education And/or Experience
- Bachelor’s degree (B.S.) from four-year college or university
- Five to ten years related experience and training in Commercial and/or Business Banking