ESSENTIAL FUNCTIONS
· Actively participates in a business development plan to build and retain full banking relationships with operating companies that have revenues more than $25,000,000 or otherwise complex C&I opportunities
· Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
· Partner with Market Presidents, Middle Market Sales Leaders, senior Middle Market bankers, Portfolio Managers, Commercial Associates and Credit Officers to successfully prospect, manage portfolio, and underwrite credit opportunities
· Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, Mortgage, and Retail
· Manage the flow of credit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meeting the needs of the client and the operating objectives of the Bank
· Underwrite loan requests within the parameters of the Bank’s policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
· Manage and service assigned loan portfolio and provide superior service to clients
· Create, maintain, and utilize an appropriate COI network relevant to Middle Market, which will promote the Bank’s market presence and result in referrals for both the bank and COI
· Ensure that all required documentation is in file for all loans and deposits
· Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
· Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
· Price each loan and deposit product according to current Bank pricing guidelines
· Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
· Demonstrate a commitment to fair lending practices
· Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
· Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
COMPETENCIES
· Must have well-developed sales, interpersonal, negotiating, and problem-solving skills. Excellent written and verbal communication skills are necessary. Must have accounting and extensive credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Must exhibit excellent time management skills. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficient use of Microsoft Word, Excel, and Outlook is necessary.
Qualifications, Education, and Certification Requirements
· Education: A Bachelor’s degree in business, finance, banking, or related field is required. Formal bank credit training program completion is required. An MBA and/or graduation from a recognized school of banking is an asset
· Experience: Minimum of 5 years middle market / commercial lending / middle market credit / capital markets experience; Experience should include significant loan structuring and credit analysis responsibilities as well as client origination activities
· Certifications/Specific Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.
TRAINING REQUIREMENTS/CLASSES
Required annual compliance training, New Employee Orientation
PHYSICAL DEMANDS
Must be able to effectively access and interpret information on computer screens, documents, reports. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.
WORK ENVIRONMENT
This position is in a private office.
