Corporate Banking Relationship Manager

Job highlights
Identified by Google from the original job post
Qualifications
2-4 years of Commercial Lending experience
Strong understanding of the principles of accounting and finance
Strong marketing and analytical skills
Demonstrated problem-solving skills and interpersonal skills in demanding situations
Must be a self-starter and highly disciplined
Ability to work in a fast-paced environment with aggressive goals and objectives
Must be able to analyze financial conditions and industry trends
Excellent and effective presentation and communication skills, both verbal and written
Proficient with Excel, Word, Microsoft Office, and CRM Applications
Bachelor's Degree in Business or related field Required
Responsibilities
Acts as the primary advisor for a portfolio of Corporate Banking clients
Develops new business relationships and maintains important revenue-generating client relationships through new business development, relationship and portfolio management activities
Assesses the risks and impact from both the client's and bank's perspective, identifies opportunities to cross-sell related banking products and services and leads the development of an overall client relationship strategy
Consistently meets and exceeds individual and/or team sales goals, including deposits, loans, and other applicable metrics
Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts to meet or exceed the Bank’s strategic goals
Independently analyzes creditworthiness and conducts preliminary financial statement analysis against bank risk standards and applicable product requirements to determine potential creditworthiness
Directs and manages the sales and service of financial services to Corporate Banking target market clients and prospects in accordance with loan quality guidelines, approval standards, and production goals
Requires significant marketing presentation, sales, and relationship-building skills
Expands existing client relationships and actively seeks new clients via targeted prospecting
Responsible for meeting the broad needs of assigned clients by coordinating with assigned Risk Officers, Treasury Management Officers, Client Service Officers, and other Product Specialists
Partners with these specialists to meet the full range of client needs and ensures optimal response and service levels between departments
Under the parameters of procedures and individual authority, recommends and/or makes significant decisions regarding overdrafts, wires, pricing, structuring, etc., for Loans, Treasury products, client servicing, and other
If the loan is an acceptable risk for the bank, negotiates the terms of the loan with the client based on the risk of the loan, current conditions in the financial markets, overall profitability of the loan, overall client relationship, and current internal goals of the bank
In conjunction with the Corporate Banking Manager, makes decisions of significant importance related to the risk associated with the loan, documentation needed from the client, negotiation of terms, etc
Independently reviews all new and renewal loan requests, coordinates, and actively participates in the underwriting process together with appropriate Risk Officers, ensuring adherence to the Bank’s credit policies and criteria in loan decisions
Conducts joint analysis with the Corporate Banking Manager and risk partners to maintain portfolio quality, monitor past-due loans, minimize the risk of loan losses, and keep exceptions to a minimum
Ensures full compliance with loan terms
Promptly identifies potential issues and alerts management of any problems in the portfolio
Submits timely and accurate reports as required
Ensures that all loans are closed according to proper procedures and according to the specific conditions of the CAR, working with the appropriate staff and the closing attorney
Job description
Overview:

Acts as the primary advisor for a portfolio of Corporate Banking clients. Develops new business relationships and maintains important revenue-generating client relationships through new business development, relationship and portfolio management activities. Assesses the risks and impact from both the client's and bank's perspective, identifies opportunities to cross-sell related banking products and services and leads the development of an overall client relationship strategy.

Principal Duties & Responsibilities:
• Consistently meets and exceeds individual and/or team sales goals, including deposits, loans, and other applicable metrics.
• Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts to meet or exceed the Bank’s strategic goals.
• Independently analyzes creditworthiness and conducts preliminary financial statement analysis against bank risk standards and applicable product requirements to determine potential creditworthiness.
• Directs and manages the sales and service of financial services to Corporate Banking target market clients and prospects in accordance with loan quality guidelines, approval standards, and production goals.
• Requires significant marketing presentation, sales, and relationship-building skills. Expands existing client relationships and actively seeks new clients via targeted prospecting.
• Responsible for meeting the broad needs of assigned clients by coordinating with assigned Risk Officers, Treasury Management Officers, Client Service Officers, and other Product Specialists. Partners with these specialists to meet the full range of client needs and ensures optimal response and service levels between departments.
• Under the parameters of procedures and individual authority, recommends and/or makes significant decisions regarding overdrafts, wires, pricing, structuring, etc., for Loans, Treasury products, client servicing, and other.
• If the loan is an acceptable risk for the bank, negotiates the terms of the loan with the client based on the risk of the loan, current conditions in the financial markets, overall profitability of the loan, overall client relationship, and current internal goals of the bank.
• In conjunction with the Corporate Banking Manager, makes decisions of significant importance related to the risk associated with the loan, documentation needed from the client, negotiation of terms, etc.
• Independently reviews all new and renewal loan requests, coordinates, and actively participates in the underwriting process together with appropriate Risk Officers, ensuring adherence to the Bank’s credit policies and criteria in loan decisions.
• Conducts joint analysis with the Corporate Banking Manager and risk partners to maintain portfolio quality, monitor past-due loans, minimize the risk of loan losses, and keep exceptions to a minimum.
• Ensures full compliance with loan terms. Promptly identifies potential issues and alerts management of any problems in the portfolio. Submits timely and accurate reports as required.
• Ensures that all loans are closed according to proper procedures and according to the specific conditions of the CAR, working with the appropriate staff and the closing attorney.

Qualifications:
• 2-4 years of Commercial Lending experience. Required
• Formal credit training by national or large regional bank Preferred
• Strong understanding of the principles of accounting and finance.
• Strong marketing and analytical skills.
• Demonstrated problem-solving skills and interpersonal skills in demanding situations.
• Must be a self-starter and highly disciplined.
• Ability to work in a fast-paced environment with aggressive goals and objectives.
• Must be able to analyze financial conditions and industry trends.
• Excellent and effective presentation and communication skills, both verbal and written.
• Proficient with Excel, Word, Microsoft Office, and CRM Applications.
Education:
• Bachelor's Degree in Business or related field Required
Special information to candidates:
• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.