Welcome page Returning Candidate? Log back in! Commercial Relationship Manager I Location US-TX-Houston Posted Date 3 weeks ago(10/16/2024 10:44 AM) Job ID 2024-17806 Category Commercial Banking Type Regular Full-Time Job Grade 14 FLSA Status Exempt Working Hours 8am - 5pm Job Location: Company Houston Commercial Administration #10294 Overview

The purpose of this job is to use Commercial Lending skills to provide practical application in the areas of portfolio management, preparation of loan packages, property inspections, relationship development and other duties as needed in such a way as to contribute to the overall achievement of departmental goals.

 

This position may be filled as a Level I, II, III.  Additional responsibilities and qualifications apply.

 

 

THIS POSITION IS OPEN TO THE GREATER HOUSTON AREA.

Responsibilities Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as neededPractice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goalsProvide high level of customer service to existing clients in order to build relationships, to expand development of business and to identify and create cross sell opportunities for other product linesMaintains professional community relations to increase the bank’s visibility and new business opportunities, and to further personal development.Perform additional duties as assigned.

Level II additional responsibilities:

Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accountsActively participates in business development activities for the purpose of attracting additional profitable business for the bankProvides guidance to less experienced relationship managersMaintains professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal developmentCross-sell additional products and services to existing customer base and asks for referrals Perform additional duties as assigned.

Level III additional responsibilities:

All responsibilities listed  Qualifications Bachelor’s degree in business, finance, accounting, related field, or equivalent experienceMinimum of three years proven and progressive commercial lending/credit experience or equivalentExperience with real estate or commercial lending risk analysisDeveloped understanding of lending and credit approval process as well as pertinent bank policies and external regulationsPractical working knowledge of sales principlesDetailed knowledge of credit analysis practice and procedureFamiliarity with products and services offered by financial services institutionsEffective oral and written communication skillsExcellent interpersonal skillsDeveloped decision making and persuasion skillsProven ability to build relationshipsTime management/organization skillsComputer skills to include word processing and spreadsheet applicationCustomer contact and sales and service skills

Level II additional qualifications:

Bachelor’s degree in business, finance, accounting, related field, or equivalent experienceMinimum 5 years of progressively increasing commercial lending experienceKnowledge of pricing models as it relates to profitability of lending unitFully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulationsKnowledge of sales principlesDetailed knowledge of credit analysis practice and procedureIn-depth knowledge of products and services offered by financial services institutionsStrong analysis, judgment and communication (oral and written) skillsShould possess excellent negotiation and problem-solving skills Ability to present loan commitments to executive management of customers should be attained prior to this levelMust possess a high level of analytical skillsMust possess effective interpersonal skillsAbility to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrowerMotivation and initiative are essential10 years lending experience preferred

Level III additional qualifications:

Minimum of 10 years proven and progressive middle market and corporate banking experience.

 

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