Commercial Relationship Manager III - Greater Grand Rapids, MI

Huntington Bancshares, Inc.; Grand Rapids (MI); On-site; USD 80,000 - 110,000; Full time

Job summary

An established industry player is seeking a Commercial Relationship Manager III to lead and manage a diverse portfolio of commercial loans. This role involves building strong relationships with clients, ensuring their needs are met while adhering to credit and regulatory standards. You will engage with high-level stakeholders and mentor junior team members, making a significant impact on the bank's success. The ideal candidate will possess a robust background in commercial lending, exceptional analytical skills, and the ability to navigate complex deal structures. Join a dynamic team that values collaboration and innovation in the financial services sector.

Qualifications

• 8-12 years of experience in commercial lending is required.
• Strong analytical and credit skills are essential for success.

Responsibilities

• Originate, analyze, structure, and close profitable loan transactions.
• Maintain credit worthiness of customers and manage loan documentation.

Skills

Commercial Lending Experience

Analytical Skills

Interpersonal Skills

Sales Skills

Credit Skills

Education

Bachelor's Degree in Finance/Accounting/Economics

MBA in Finance or Accounting

Tools

Microsoft Word

Microsoft Excel

Job description

Description

Summary:
The Commercial Relationship Mgr III is responsible for building and servicing a sound and profitable portfolio of commercial business relationships and loans, and satisfying and exceeding customer needs and expectations, as well as credit and regulatory requirements, for originating and structuring Commercial loans. Originate, monitor and renew loan relationships consistent with the bank’s policies and procedures. Serves as the point person in determining the customer's needs and meeting them through the seamless delivery of the bank's products, services and associated resources.Will have a minimum sales goal and assigned an existing customer portfolio. Works with the most sophisticated customers and on the most complex deal structures. Can mentor more junior Relationship Managers.

Duties & Responsibilities:

• Originate, analyze, structure and close profitable loan transactions. Participate with more senior Relationship Managers on larger loans, and stay informed regarding the status of loans in the department.
• Maintain and confirm credit worthiness of customers. Gather, review and track appropriate documentation from applicants. Make decisions on loans and terms if within own lending limits.
• Participate in the underwriting of loan requests for new and existing customers. Due diligence would include verifying financial information provided, analyzing financial statements, conducting credit checks and assuring loan meets all policy and regulatory requirements.
• Serve existing accounts, review quarterly, semi-annual and annual findings for compliance and credit determination. Recognize issues; early problem recognition, remedial management and appropriate coordination with workout is an important part of on-going portfolio management.
• Engage and provide direction to stakeholders including attorneys, accountants, consultants, appraisers, title companies, and necessary government agencies to ensure successful transactions.
• Provide guidance and direction to bank’s internal support personnel to ensure proper and accurate completion of loan transactions and day to day operational requirements.
• Promote and cross-sell other bank products and services as appropriate to customer requirements. Cross-sell banking services including business checking and treasury management products, and refer business or property owners to the branches for consumer deposit and loan products.
• Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment.
• Performs all other duties as assigned.

Basic Qualifications:

• Four-year college degree in Finance/Accounting/Economics
• 8 - 12 years of commercial lending experience

Preferred Qualifications:

• Prior experience in negotiating, structuring, and closing complex commercial loan transactions.
• Strong analytical and credit skills.
• A high level of interpersonal and sales skills are necessary to compete effectively, present proposals to client, and recommend loan transactions to bank senior management.
• Thorough knowledge of various software programs including Word and Excel, and the ability to quickly learn additional systems/software.
• MBA in Finance or Accounting
• 12 - 15 years of middle market lending experience
• Thorough knowledge of underwriting guidelines
• Prior experience underwriting complex commercial credits
• Legal documentation experience
• Knowledge of SBA and other similar government guarantee programs
• Strong analytical, interpersonal and organizational skills
• Highly developed oral and written communications and presentation skills

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Exempt Status: (Yes= not eligible for overtime pay) (No= eligible for overtime pay)

Yes

Workplace Type:

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters: Huntington Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington Bank colleagues, directly or indirectly, will be considered Huntington Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.