JOB FUNCTION / SUMMARY:

Responsible for the management, retention and expansion of existing business relationships, the development of new business and the servicing of a variety of commercial relationships. Grows revenue as directed by senior management by successfully prospecting for new business and retaining and expanding existing customer relationships. Manages a portfolio of up to 75 clients with credit outstanding up to $50MM. Business development activities typically focus on businesses with sales of $25MM - $100MM that operate in our defined targeted industries. Functions with minimal levels of individual authority and negotiates with strict adherence to established guidelines, credit pricing, terms and structure.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Essential Duties

• Solicits new and prospective loan and deposit relationships for the Bank.
• Develops and executes a business development plan to achieve established goals and objectives. Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long term profitable customer relationships and become the clients trusted financial partner through needs based solutions.
• Identifies cross-sell opportunities for each assigned relationship. Markets to assigned clients and prospects a broad range of financial products.
• Build internal relationships with other departments such as Product Management, Treasury Management, and Credit Underwriting to enhance the overall banking relationship ensuring the customer’s business objectives are met.
• Proactively seeks knowledge and mentorship from more Senior Relationship Managers to develop a thorough understanding of bank products, services, credit standards, and bank pricing parameters, business development programs/automated systems.

Additional Duties

• Partners with the Commercial Underwriter to assess the customer’s credit risk and structure a credit solution that fits the customer’s needs while remaining within acceptable risk guidelines.
• Identifies client needs and works with customers to offer appropriate bank products and services.
• Cultivates prospects independently through customer referrals, networking, and participation in professional organizations, social contacts and relationships built in the community.
• Develops relationships with customers through calling and customer support activities.
• Routinely monitors loan portfolio’s credit quality status to ensure loans are current and conform to terms, quickly identifies and manages risks to minimize impact.
• Analyzes customer credit status or obtains appropriate central underwriting approval and related documentation to ensure portfolio quality and yield are maintained.
• Uses automated business development system to manage individual calling program, schedule appointments, develop customer profiles or cross-sales opportunities, follow-up with customers and book new business.
• Keeps abreast of industry, competitor, financial market and other changes that may impact their portfolio or department.
• Responsible for assembling financial information and coordinating the generation of complete loan packages for approval presentation.
• Other duties and special projects as assigned by Senior Management.
• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.

SUPERVISORY RESPONSIBILITIES:

None