FUNCTION: Working under the direction and guidelines established by the Director of Commercial Banking and reporting to a Commercial Banking Team Leader, the Commercial Banking Relationship Manager I is responsible for the acquisition, retention and satisfaction of a commercial client portfolio. The Commercial Banking Relationship Manager I is responsible for the achievement of a variety of portfolio and sales quotas derived from the overall strategic plans and financial objectives of Bangor Savings Bank. These plans and objectives are generally established on an annual basis. The Commercial Banking Relationship Manager I possesses an understanding of credit delivery and administration and a thorough working knowledge of Bangor Savings Bank’s policies and procedures. This position will be based out of Concord, NH and will cover the greater Conrod area including Manchester. ACCOUNTABILITIES: Customer / Annuity Management: + Maintain existing client relationships through quantified contact and client satisfaction strategies. + Proactively service and cross sell client relationships for the purpose of improving client satisfaction and generating incremental non-interest income for Bangor Savings Bank. + Utilize and maintain the Commercial customer database as a relationship management and cross sales tool. New Client Acquisition: + Build network of centers of influence, community leaders, business owners and internal partners for the purpose of increasing market share through new client acquisition. + Achieve specified and agreed upon calling goals for centers of influence, business prospects and community organizations. + Work closely with internal product partners to deliver Commercial banking proposals to clients. + Utilize and maintain the Commercial customer database as a tool for sales management and the coordinator of the marketing efforts of Bangor Savings Bank partners. External Development Activities: + Development and management of referral sources outside of Bangor Savings Bank. + Establishment of visible presence with the assigned business community and markets served. + Establishment and execution of specific contact strategy for referral sources and market. Credit Origination: + Entertain and analyze new loan requests from existing clients or prospects in order to gain a comprehensive understanding of the reasonableness of the request, the business and its visibility, and inherent risks as they pertain to credit policy. + Establish and negotiate terms, conditions and structure of the proposed credit facility(ies). + Coordinate and oversee the loan proposal preparation process while working with direct team members and Credit Department to ensure a timely and expedited approval. + Oversee the loan documentation and delivery process including commitment letter preparation negotiation, and acceptance; appraisal, environmental and legal documentation and review, and the loan closing. Credit Administration: + Actively manages the credit risk exposure of assigned relationships. + Maintains effective communication and information channels with clients for the collection of the appropriate and required (per BSB Loan Policy) credit related information. + Responds proactively to changing risk profiles of credit. + Review and respond to analysis from the Credit Department Compliance and Control: + Assists in ensuring that the Bank complies with local, state and federal regulations. General: + Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork. + Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook. + Performs additional duties as requested. Relationships/Portfolio: + Typically manages 60-90 relationships + Average portfolio size $30 MM - $50 MM + Typical characteristics of portfolio would be those businesses requiring basic mortgage and LOC needs and who may also need a variety of other banking services including but not limited to on-line banking, payroll, and merchant services. Knowledge/Skills/Experience Requirements: + Bachelor’s degree preferred. Majors in business, finance or economics helpful. + 2-4+years in Commercial/Business Lending experience with proven relationship management skills. + Understanding of commercial credit delivery and related policies and procedures. + Ability to work as a team. + Demonstrated personal computer literacy. + Ability to handle moderately complex problems with assistance from internal resources. + Strong communications skills, verbal and written. + Previous sales experience or training. + Strong analytical and organizational skills with an ability to interact effectively with all levels of staff and management. + Proactive planner and self-motivated, with good selling and business development skills. + Driver’s license and transportation required. Physical Demands/Conditions Requirements: + General office environment. + Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required. Equipment Used: + General office equipment. External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis. At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement. We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done. At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters. Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.