Commercial Relationship Manager

F.N.B. Corporation; Cleveland (OH); On-site; USD 85,000 - 115,000; Full time

Job summary

F.N.B. Corporation is seeking a Commercial Banking professional in Cleveland, OH to develop and manage a portfolio of commercial loans, assess borrower creditworthiness, and ensure regulatory compliance.

The role emphasizes client relationship building, cross-selling banking products, and risk management. The candidate will monitor loan performance, prepare files for presentation, and participate in community activities to promote the Bank’s image while achieving profitability and growth

Qualifications

• Excellent project management skills.
• Excellent communication skills, both written and verbal.
• Excellent organizational, analytical and interpersonal skills.
• Ability to use a personal computer and job-related software.
• Experience in a lending banking position and in an equivalent customer focused position.
• Knowledge of banking laws and regulations.
• Experience in community and civic activities.

Responsibilities

• Develops new and existing commercial loan relationships by calling on potential and existing customers to cross-sell all banking products.
• Administers a portfolio of commercial loans by ensuring credit quality, profitability and growth.
• Determines credit worthiness of borrowers via financial analysis and collateral assessment.
• Monitors loan performance and maintains borrower contact to manage risk and communications.
• Prepares loan documents compliant with regulations and presents loans to committees as needed.
• Promotes the Bank's image through community involvement and external activities.
• Maintains knowledge of Commercial Banking and regulatory requirements; participates in compliance training.

Skills

Project management

Communication

Organizational skills

Interpersonal skills

PC skills

Banking laws & regs

Community involvement

Lending experience

Customer focus

Education

BA or BS

Job description

Reports To: Commercial Banking Team Leader

Position Overview:

This position is primarily responsible for developing new and existing commercial loan business relationships, administering a portfolio of commercial loans, determining the credit worthiness of borrowers, monitoring loan performance, preparing commercial loans for presentation and promoting the Bank’s image in the community in order to meet or exceed commercial loan quality, profitability, growth and service objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities:

Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products including other banking services and to promote the Bank’s image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives.

Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures to achieve profit and growth objectives.

Determines the credit worthiness of borrowers by making sound analysis of their financial condition, ability to repay the loan and the net realizable value of the collateral in accordance with established policy and procedure to ensure a portfolio of commercial loans that meet the Bank's quality standards.

Monitors loan performance by maintaining contact with borrowers, monitoring the financial condition of borrowers and resolving problems and when appropriate waiving a request for financial statements according to established policies, procedures and regulations in an accurate and timely manner to reduce risk the Bank might incur from collateral deterioration or borrowers' inability to pay.

Prepares loan documents that are in compliance with bank regulations for presentation, presents loans that are above the incumbent's lending limit to the loan committee or officer with higher lending limits communicating all elements of the loan to ensure compliance with regulations and to enhance the ability to make sound credit decisions.

Promotes the Bank’s image in the community by participating in community activities, coordinating community development efforts, promoting involvement and participation in community service organizations to assist in compliance with the Community Reinvestment Act, presents a favorable image in the community and establishes contacts that could generate new business.

Develops and maintains an adequate level of knowledge in Commercial Banking, general banking and business development matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.

Implements all compliance policies and procedures within the department and ensures the department staff receives adequate regulatory compliance training to perform job functions in compliance with regulatory requirements and standards, follows corporate Compliance policies and procedures and cooperates fully with all internal and external compliance reviews and examinations.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

BA or BS

10

Special Skills:

Excellent project management skills

Excellent communication skills, both written and verbal

Excellent organizational, analytical and interpersonal skills

Ability to use a personal computer and job-related software

Experience in a lending banking position and in an equivalent customer focused position.

Knowledge of banking laws and regulations.

Experience in community and civic activities.