Welcome page Returning Candidate? Log back in! Commercial Relationship Manager I, II, or III Location US-TX-Houston Posted Date 1 week ago(11/6/2024 11:54 AM) Job ID 2024-17874 Category Commercial Banking Type Regular Full-Time Job Grade 14 FLSA Status Exempt Working Hours 8am - 5pm Job Location: Company Houston Commercial Banking - Southwest - 13070 Overview

Position is responsible to develop and manage commercial accounts that meet established requirements, focus on customer service and maximize profitability with minimal risk for the bank.

This position may be filled as a Level I, II, or III.  Additional responsibilities and qualifications apply.

 

THIS POSITION IS OPEN TO THE GREATER HOUSTON AREA.

Responsibilities Understanding of credit, commercial products, and financial statement analysis to offer beneficial banking solutionsManage an existing portfolio and seek opportunities to generate incremental revenue for the bank and meet customer financial goalsEngage with customers on a regular basis to enhance the trusted advisor relationship, ensure business needs are being met, provide high level of customer service, and create cross sell opportunities for other product linesPractice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Practice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goalsMaintains professional community relations and involvement to increase the bank’s visibility and new business opportunities, and to further personal developmentCompliance with established policies and procedures for commercial banking and follow appropriate controls to prudent behavior which is in compliance with the bank’s risk appetite including loan and credit qualityEnsure portfolio is prudent and the non-performing loan ratio is within the acceptable risk tolerance limitsPerform additional duties as assigned

Level II additional responsibilities:

Make recommendations for credit approval to Senior Loan Committee. Present to loan committee as needed Develop and execute market strategies for development, growth, and retention. Execute the strategy with calls, visits, client qualification and meeting follow-up to maintain, enhance and expand client relationshipsProspect for clients independently by utilizing referral sources, existing clients and executive on market strategies for development, grown and retentionWork with product partners (Treasury Management., Wealth Management etc.) to analyze, evaluate and develop a tailored relationship strategy for each client or prospectResponsible for the management of portfolios for medium to large sized businessesServe as a mentor to less experienced relationship managers

Level III additional responsibilities:

Leadership role in the bank’s business development activities Approves or rejects loans exceeding the credit authority of subordinate relationship managers tup to approved lending limits

Qualifications Bachelor’s degree in business/finance associated major, or relevant job experience Minimum of three years of proven and progressive commercial banking/credit experience or equivalentExperience with commercial banking risk analysisDeveloped an understanding of banking and credit approval process as well as pertinent bank policies and external regulationsPractical working knowledge of sales principlesPrior experience with products and services offered by financial services institutionsEffective oral and written communication skillsExcellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.Ability to work accurately with close attention to detailsProven ability to build and maintain relationships

Level II additional qualifications:

Minimum of five years proven and progressive commercial banking/credit experience or equivalent. Underwriting experience preferredEnhanced knowledge of credit analysis practice and procedure

Level III additional qualifications:

Minimum of ten years managing a commercial loan portfolio with a proven sales track record and business development acumen Enhanced knowledge of pricing models, profitability forecasting, and credit analysis practice and procedureFully developed understanding of banking and credit approval process according to bank policies and external regulations Proven track record of business development skills especially with established customers

Physical Requirements/Working Conditions:  Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

 

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

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