Division: Commercial Department: Mid Mkt Reports to: SVP, Commercial Team Leader Mid Mkt Status: Exempt/Officer Grade: 14 Pay range: $115,297 - $244,889 Location: Hybrid / Albany, NY - 30 South Pearl St Purpose/Objective : Develops and services C&I relationships. Actively participates in business development activities to assist in the growth of the bank, including outside calling, and referral to other lines of business. Manages portfolio of existing Commercial Customers with revenues between $10MM and $100MM and borrowing needs of $3.0MM or more. Key Accountabilities : + Customer Service: Provides excellent customer service and has demonstrated success in retaining and expanding existing relationships. Serves as a trusted advisor to customers. + Customer Needs and Cross Sell: Identifies and understands customer needs. Demonstrates excellent working knowledge of banking products and services. Makes proactive recommendations and cross sells bank products. Has well-established relationship with all banking partners. Can effectively tailor unique solutions to meet complex customer needs. + New Business Development: Demonstrated consistent success in developing new business. Has established and well-developed Centers of Influence. + Credit/Analytic Skills: Has superior analytical skills with demonstrated ability to assess financial performance and identify risk/mitigants on even the most complex deals or deals requiring specialized industry knowledge. Establishes a strong working relationship with Credit Partners to ensure ongoing credit quality of portfolio. Has proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements. + Deal Structuring/Negotiation: Consistently demonstrates ability to structure large, complex secured/unsecured deals. Has proven well-established negotiating skills and ability to recommend covenants structure/thresholds for all deals Able to review loan documentation and close loans with terms and conditions consistent with approvals. + Portfolio Management: Has good working relationship with Commercial Loan Administrators and Credit Partners to ensure proper management of portfolio including financial reporting, exception resolution, annual reviews and file memos. + Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by ones duties. Education: + BS Degree in Business, Economics or Finance, or equivalent financial experience Experience: + 10+ years of Commercial Banking and/or related experience Skills & Knowledge: + Strong analytical skills + Strong loan structuring and negotiation skills + Excellent communication and presentation skills + Able to effectively present to senior levels of the organization + Demonstrated ability to work as a member of a team + Demonstrated ability to act as a mentor to less senior RMs + Strong computer skills