BB Relationship Officer I / II

About this role

The   Business Banking team   actively calls on businesses that typically have annual revenue between $1MM and $20MM. The team includes relationship managers, client   managers officers , treasury management officers and others that provide a suite of products and services that serve companies of this size. The   objective   of the group is to earn the title of   trusted   advisor and help these companies grow and prosper in our community.  

As the   Business Banking Relationship Manager I I,   you will   be responsible for   managing   the strategic   client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business .    Clients   generally are   between $1MM and $ 2 0MM in annual revenue.  

How   you’ll   spend your time:     

• You will   g enerate,   retain , & expand lending,   investment   and deposit   relationship   with new and existing clients   through client referrals, centers of influence & direct prospecting.   

• You wi ll develop, generate and follow-up on new client leads through existing clients, client referrals, COI referrals, & prospecting.  

• You will   manage overall relationship profitability & portfolio risk and   is   responsible for profitable growth of the portfolio assigned ( includes   loans, deposits, & fee income) .     Act as a consultant to clients and a resource to the Bank in developing &   retaining   business.  

• Yo u will provide   insight   & ideas   for enhancing client relationships, client cash flow, profitability, and efficiency.  

• You will   manage the overall credit quality of   assigned   portfolio ( includes   sales, credit analysis, loan structuring,   client   and prospect interviews).  

• You will   monitor   & manage existing credit relationship , which includes note renewals, reviewing & detailed analysis of current financial statements & collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions & covenant monitoring, compiling reports necessary to   monitor   asset & credit quality and compliance with policy/regulation.  

• You will   negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, recommend   appropriate credit   grade , make oral/written   presentation   to   underwriter   or loan   committee , and implement approval/declination   action .    

• You will serve as the primary link for all financial services to the individual Business Banking client with the bank ( i.e.   Treasury Services, International, Trust, and Cash Vault).  

• You will   participate   in community & professional activities   in order to   enhance the bank’s image and expand   personal   network of business contacts for   development   of new business.  

• You will   monitor   accounts to   identif y   potential credit problems and   assur e   proper loan documentatio n .    Customers tend to have complicated lending requirements involving term loan agreements, commercial real estate, and revolving credit lines.  

• You will communicate and collaborate with consistency and transparency with business banking teams and internal partners.  

• You will consistently use and   maintain   CRM usage.  

• Other duties as assigned.  

•  

  We’re   excited to talk with you if:  

• You   possess   a   Bachelors   degree OR equivalent work experience.  

• You have 5 years’ proven business banking sales experience.  

• You   demonstrate   strategic sales knowledge selling to small business owners.  

• You   demonstrate   business banking product knowledge and product innovation.  

• You have awareness of market/industry trends.  

• You   demonstrate   ability   to source/produce efficient credit opportunities.  

• You have knowledge of credit and operational risk-ability to quantify potential exposure and advise team.  

• You have an understanding of credit underwriting.  

• You have knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements.  

• You   demonstrate   knowledge of financial analysis (including ratio and trend analysis and projections).  

• You have knowledge of accounting principles and practices.  

• You have   demonstrated   capacity   to sell products/services within the financial services industry.  

• You   demonstrate   proficiency   in Word, Excel, PowerPoint.  

Bonus points if:  

• You   possess   a   Bachelor’s degree in accounting   or finance.  

• You understand strategic sales planning to define target markets, strategic sales approaches, and provide solutions.  

• You have specialized knowledge of specific markets   in order to   serve defined industries.  

• You have   th e ability to prospect and network at various levels within a company.  

• You have enhanced communication and negotiation skills for more complex deals and relationships.  

• You   manages   time effectively to balance new   &  existing   relationships to meet goals. • • •  

As the   Business Banking Relationship Manager I , you will   be responsible for   managing   the strategic   client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business .    Clients   generally are   between $1MM and $10MM in annual revenue.  

How   you’ll   spend your time:     

• You will g enerate,   retain , & expand lending,   investment   and deposit   relationship s   with new and existing clients through client referrals, centers of influence & direct prospecting.   

• You will d evelop, generate and follow-up on new client leads   through existing clients, client referrals, COI referrals, & prospecting.  

• You will m anage overall relationship profitability & portfolio risk and   is   responsible for   profitable growth of the portfolio assigned ( includes   loans, deposits, & fee income) .     Act as a consultant to clients and a resource to the Bank in de

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