Company Summary

We provide comprehensive commercial, personal, and online banking solutions to businesses in the Mid-Atlantic region and the national healthcare market. Our culture is characterized by authenticity, entrepreneurship, and compassion. We defy conventional banking norms with a bold and innovative approach, venturing into new territories and executing groundbreaking deals. Recognized as the Best Place to Work by the Baltimore Business Journal for 2022, 2023, and 2024, our #1 goal is to make people feel that working here was the best decision they have made. Join us at CFG, where your bold, entrepreneurial, and tenacious spirit will thrive, and together we will achieve success and make a lasting impact.

Position Summary

Actively solicits prospects and referral sources for new commercial loan and deposit opportunities. Plays an active role in the community to represent the Bank and obtain new business leads. Identifies cross-sell opportunities and makes referrals to the appropriate areas of the Bank. Performs preliminary underwriting to determine credit worthiness and presents loan requests for approval. Negotiates loan terms and Bank documents. Ensures loans are risk rated properly.

Essential Duties And Responsibilities
• Develop new banking relationships with business prospects. Service existing business banking client base. Achieve established goals as outlined by manager.
• Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Network with centers of influence to develop business including accountants, attorneys and other referral sources.
• Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk.
• Achieve sales goals with minimum expectations as follows:
• Loan production of $4MM to $8MM.
• Deposit balance production of $800M to $2MM.
• Manage loan portfolio of relationship to include annual reviews, covenant compliance.
• Actively participate in all business banking business development. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Utilize prescribed selling techniques to maximize sales opportunities.
• Determines banking needs of clients and structures appropriate solutions.
• Provides financial counseling and quality customer service.
• Meets periodically with Chief Lending Officer to review pipeline.
• Plays an active leadership role in the community and at corporate events, which leads to additional sales opportunities.
• Determines the credit worthiness of loan requests via analysis of financial information and discussions with Chief Lending Officer.
• Negotiates loan structure and pricing.
• Coordinates with administrative support and credit department to prepare written credit analysis of loan/cash management request.
• Reviews and negotiates loan documents and handles loan closings.
• Recommends appropriate risk ratings to ensure risks are properly identified and loans are accurately rated.
• Assists administrative staff in the collection of past due loans.
• Responsible for asset quality of originated loans (past dues, charge offs, non-accruals and criticized assets).
• Analyzes applicant’s capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines.
• Obtains and directs the analysis of all necessary financial data.
• Conducts credit checks, conducts or initiates assessments and makes site visits as necessary.
• Maintains the confidentiality of all customer and bank relationships.
• Promotes and support the Community Development efforts of the bank.
• Assists other lending staff as needed.

Qualifications And Requirements
• Four-year college degree in business preferred.
• Successfully completed formal lending/training program or equivalent.
• Minimum of 5 years commercial lending experience.
• Ability to determine through underwriting/analyzing loan requests the viability of a loan request.
• Must be proficient with commercial loan structuring and government regulations.
• Ability to attract and retain commercial relationships.
• Must possess knowledge of loan documentation.
• Ability to manage larger more complex credit requests.
• Must be a team player.

Work Environment

We offer a hybrid schedule, with 3 days in office and 2 days remote after the initial 90-day period.

Eoe Statement

CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources.