Commercial Relationship Manager

CB&S Bank; Birmingham (AL); On-site; USD 70,000 - 110,000; Full time

Job summary

CB&S Bank in Birmingham, AL seeks a Commercial Loan Manager to develop and manage commercial loan accounts, maximizing profitability while controlling risk. You will lead a lending team and drive growth through cross-sells and referrals.

You will evaluate credit, analyze financial statements and tax returns, negotiate terms, and ensure compliance with lending policies. Strong leadership and business development skills are essential.

Qualifications

• Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or equivalent business related experience.
• Two to three years of commercial and consumer lending experience. Supervisory experience is a plus.
• Proven knowledge of loan policies and procedures.
• Ability to work independently, establish priorities and procedures, and meet established goals.
• Proven ability to motivate staff in sales.
• Strong personal leadership skills, organizational skills, and excellent communication skills, both verbal and written.
• Demonstrated ability to communicate complex issues, both orally and written.
• Ability to analyze and summarize complex financial information, make presentations, and make recommendations.
• Ability to travel to various locations to meet with customers and bank personnel.
• Strong business development, customer relations, and decision-making skills are essential.

Responsibilities

• Promote the bank's products and services to commercial customers.
• Service and expand existing commercial loan accounts; cross-sell and refer opportunities.
• Assist in implementing new products or programs to improve service and growth.
• Achieve sales, service & retention goals.
• Supervise lending assistants, administrative staff, and customer service representatives; conduct reviews and training.
• Negotiate credit terms and collateral specifications.
• Monitor credit quality; analyze reports, tax returns, financial statements, cash flows and pricing.
• Develop referral sources for additional business.
• Notify customers of loan maturities and renewals; ensure timely documentation.
• Participate in Loan Committee meetings and special projects as assigned.
• Interview loan applicants, analyze financial information and present loan decisions; follow lending authority guidelines.
• Manage a loan portfolio with sound banking practices and profitability.
• Engage in community activities and promote the bank's services.

Skills

Lending experience

Staff supervision

Loan policies & procedures

Communication skills

Financial analysis

Business development

Travel

Customer relations

Education

Bachelor degree in accounting/finance

Job description

GENERAL FUNCTION

Manages and develops commercial loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the bank. Contributes to the growth and profitability of the bank through commercial relationships.

GENERAL FUNCTION

Manages and develops commercial loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the bank. Contributes to the growth and profitability of the bank through commercial relationships.

Major Duties And Responsibilities

• Knowledgeable of the features and benefits of all bank products and services in order to efficiently promote the bank to existing and potential commercial customers.
• Services existing commercial loan accounts and expands existing relationships through cross-sells and referrals.
• Assists in the implementation of new products or programs to help provide better service to customers and stimulate new growth.
• Displays the initiative needed to achieve assigned sales, service & retention goals.
• Directly supervises one or more lending assistants, administrative assistants, and customer service representatives. Evaluates staff's work performance by preparing annual reviews and conducting counseling sessions. Supervises and trains staff in developing a complete knowledge of our products and services with an emphasis on commercial products. Assists and advises staff regarding policies and procedures for commercial lending.
• Negotiates credit terms such as costs, loan repayment methods and collateral specifications.
• Responsible for ongoing monitoring of credit quality of personal loan portfolio. Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis.
• Develops referral sources for additional business.
• Proactively notifies customers of upcoming loan maturities, renewals and other loan events, ensuring receipt of all necessary documentation to complete loan renewals in a timely manner.
• Serves on various committees as assigned by management. May also handle special programs, such as Business Manager, Credit Card program, and other various special projects as assigned by supervisor and management.
• Interviews loan applicants, analyzes financial information and makes appropriate loan decisions. Decisions must be based primarily on opinions derived from facts and projections based upon the best available information. Must abide by specified lending authority as dictated by the loan policy and procedures manual. Presents loan requests above lending authority to loan review committee for approval.
• Primarily responsible and influences directly a loan portfolio as it pertains to commercial loans under his or her responsibility. Must service loan portfolio in a manner consistent with sound banking practices, while maintaining profitability.
• Engages in other outside activities consistent with the company's responsibilities in the community and the industry. Participates in the bank's officer call program and promotes the bank's services where appropriate.
• Makes business development calls on existing customers and prospective customers. Tracks calls and pipeline in contact management system.
• Maintains an active role in community affairs to improve the bank's visibility in the area.
• Implements plans to reduce total past dues loans and non-earning assets to a level determined by the Bank Leadership.
• Works closely with Collection Manager in the collection of delinquent and matured accounts.
• Provides leadership to effective communication between subordinates and superiors to assure high quality information flow in all directions. Provides exceptional customer service to internal and external customers.
• Requires the ability to interact effectively with all levels of bank personnel. Must efficiently communicate with bank customers, management, and department heads.
• Obtains specific goals related to production, quality and growth as described by supervisor. Goals will be set to include asset quality, growth in loans and deposits, branch profitability, efficiency, and business development.
• Actively pursues new deposit and Treasury Management opportunities in assigned market.

Additional Responsibilities

• Participates in Loan Committee meetings when appropriate.
• Maintains excellent working relationship with loan support staff.
• Responds to inquiries or refers inquiries to the appropriate department or person, exhibiting the necessary follow through with customers and/or staff involved.
• Performs all other duties assigned by supervisor.

Job Qualifications

• Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or

• equivalent business related experience.
• Two to three years of commercial and consumer lending experience. Supervisory experience is a plus.
• Proven knowledge of loan policies and procedures.
• Ability to work independently, establish priorities and procedures, and meet established goals.
• Proven ability to motivate staff in sales.
• Strong personal leadership skills, organizational skills, and excellent communication skills, both verbal and written. Demonstrated ability and to communicate complex issues, both orally and written.
• Ability to analyze and summarize complex financial information, make presentations of that information, communicate its contents, and make recommendations for appropriate courses of action.
• Ability to travel to various locations to meet with customers and bank personnel.
• Strong business development, customer relations, and decision-making skills are essential.