C&I Relationship Manager

Penn Community Bank; Yardley (Bucks County); On-site; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a C&I Relationship Manager to actively manage a loan portfolio and develop new business relationships. This role requires a strong background in commercial lending, with responsibilities including loan administration, client interaction, and promoting bank products. The ideal candidate will possess excellent communication and organizational skills, along with a solid understanding of underwriting and credit processes. Join a collaborative team that values expertise and offers opportunities for professional growth in a dynamic banking environment.

Qualifications

• 5+ years of experience in commercial lending required.
• Formal credit training is preferred.

Responsibilities

• Manage a loan portfolio and monitor loan quality.
• Develop sales leads and promote Bank products.
• Analyze applicant financial status for loan feasibility.

Skills

Commercial Lending

Underwriting

Credit Analysis

Communication Skills

Organizational Skills

Time Management

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Education

Bachelor's Degree

Job description

C&I Relationship Manager

Job Locations

US-PA-Yardley

Job ID

2024-1804

# of Openings

2

Category

Commercial Lending

Overview

The C&I Relationship Manager actively manages a loan portfolio of existing clients; including soliciting, examining, evaluating, and authorizing or recommending approval of customer applications for commercial loans.

Responsibilities

Develop sales leads independently and by cooperation with the Business Development officer and Branch Managers to attain new C&I business relationships and product sales.
• Manage a loan portfolio of existing clients and monitor loan quality; Be responsible for all aspects of loan administration for this portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit.
• Oversee and ensure accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, completeness of loan packages, and timely processing, funding, and closing of committed loans.
• Interview applicant(s) and request specified information for loan application.
• Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants' evaluations.
• Analyze applicant financial status, credit, banking status, and other information to determine feasibility of granting a loan.
• Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Present loans to appropriate approving authority or Loan Committee for approval.
• Call and visit C&I customers, prospects, and referral sources / centers of influence (COIs) to promote and sell Bank products and services.
• Respond to customer information requests or inquiries involving small business loans.
• Provide loan data to support marketing and sales promotion programs as required.
• Promote and cross-sell other Bank products and services as appropriate to customer requirements, such as Business Checking and Cash Management.

Qualifications

Education and Experience

• Bachelor's degree from four-year college or university
• Minimum of 5 years' experience in commercial lending
• Formal Credit Training preferred

Skills and Competencies

• Comprehensive knowledge of C&I related commercial lending, including a solid understanding of underwriting and credit.
• Good verbal and written communication skills.
• Satisfactory knowledge of loan documentation.
• Good organizational and time management skills; the ability to prioritize tasks.
• Thorough knowledge of products and services offered by the Bank.
• Working knowledge of Microsoft Excel, Word, and PowerPoint.
• Ability to remain calm and efficient under pressure to meet requirements and deadlines.