Commercial Relationship Officer

COMMERCIAL RELATIONSHIP OFFICERPOSITION CHARACTERISTICS: This position is responsible for the development and maintenance of credit and non-credit relationships with commercial customers, corporate accounts and potential customers while rendering quality service in accordance with bank goals to attain growth, profitability and customer satisfaction.DUTIES AND RESPONSIBILITIES:•Manage customer relationships within an assigned portfolio as well as developing the portfolio through increasing span of current relationships and searching new business through referrals.•Visit with clients and prospective clients regularly, interview and analyze the financial structure of customers and prospects and recommend products or applicable services.•Prepares loan reports for revision and approval of immediate supervisors and all written reports on calls made to existing and prospective accounts.•Analyze financial statements, revise collateral, documents and processes commercial loan application and make recommendations regarding credit request, refers to his immediate supervisor.•Follows up on assigned commercial accounts that are overdraft and refer them to his supervisor for final approval.•Review and analyze commercial loan reports, direct liability, non-performing, new loans and payment.•Assist Team Leader in the development and training of new incumbents.•Build effective relationships and trust with clients and potential clients by listening to and uncovering their needs and educating them about the bank products and services that are most appropriate for their situation.•Adhere to general bank regulatory procedures including BSA/AML as it pertains to “know your customer.�•Pro-actively seek information from clients and prospective clients to understand possible changing situations, needs and desired benefits and evaluate product or service alternatives.•Establish and maintain thorough prospect file, review and access on a scheduled basis to present new products, services, rate promotions, campaigns, etc.•Apply newly gained knowledge, skill or technique to current work and share successes with other team members.•Keep updated on changes to banking environment, bank competition and customer's business environment. SKILLS, KNOWLEDGE AND ATRIBUTES REQUIRED:•Ability to research and analyze financial statements. •Complete knowledge of all commercial bank laws, bank products, services, policies and procedures as well as cost accounting, financial and statistical analysis, principles of commercial and consumer credit. •Ability to use various interpersonal styles and communication methods, depending on customer and situation, to gain their acceptance of a product or service.•Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.•Computer literate; fluency in Microsoft Office programs, Excel analysis required •Effective sales ability and persuasiveness.•Effective oral and written communication skills. •Ability to establish and maintain effective work relationships and contacts with professional and business organizations and develop teamwork with co-workers on other related units.•Strong problem-solving, negotiation & follow-up skillsACADEMIC BACKGROUND AND EXPERIENCE:Bachelor’s Degree in Business or related field combined with a minimum of 7 years of experience in commercial credit. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.Analyst,Bankruptcy,Business Development,Credit Analyst,Customer Service,Degree - Bachelor,UnderwritingAdditional Information: Travel Percentage: 60% Telecommute Percentage: 50%