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Commercial Relationship Manager
United Community Bank. Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million .
About the role
Key responsibilities & impact- Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million
- Develop and manage commercial business relationships including making loans, obtaining deposit accounts, selling cash management services, and cross selling other bank services
- Provide guidance to credit analyst and/or portfolio managers and promote the bank within the community
- Manage and retain profitable client relationships
- Develop new business through active calling on clients and prospects
- Develop and maintain a strong COI’s network
- Use Vertical IQ, Business Browser, or other tools available to research and develop leads
- Manage individual production versus assigned goals
- Recommend structure, terms, and rate for loans being underwritten
- Provide guidance to credit analysts
- Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals
- Ensure adherence to company loan policies and procedures
- Evaluate risk to meet profitability standards
- Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.
- Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable
Requirements
What you’ll need- Bachelor’s degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience
- Minimum three years’ banking experience in credit analysis or lending
- Capable of analyzing complex financial statements/completion of commercial analyst training program
- Possess effective sales and negotiation skills
- Possess excellent verbal and written communication skills
- Strong customer service skills
- Ability to work independently as well as part of a team
- Self-motivated/takes initiative
- Proficient in Microsoft programs
- Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Benefits
Comp & perks- Health insurance
- 401(k) matching
- Paid time off
- Flexible working hours
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysislendingfinancial statement analysiscommercial analyst trainingloan underwritingloan closing processterm sheets preparationcommitment letters preparationrisk evaluationsales
Soft Skills
negotiationverbal communicationwritten communicationcustomer serviceindependenceteamworkself-motivationinitiativerelationship managementgoal setting
Certifications
Bachelor’s degreecompliance trainingBank Secrecy Act traininganti-money laundering training