VP, Relationship Manager

Enterprise Bank & Trust; Saint Peters (MO); On-site; USD 90,000 - 120,000; Full time

Job summary

Enterprise Bank & Trust is seeking a VP, Relationship Manager to develop and manage commercial loan accounts while enhancing customer relationships. This proactive role focuses on providing financial solutions and exceeding customer needs.

The ideal candidate will have a Bachelor's degree in Finance or Business, with 5-7 years of commercial lending experience and demonstrated skills in credit underwriting and business development. Excellent interpersonal skills and a strong knowledge of banking products are essential.

Qualifications

• 5-7 years of Commercial Lending experience preferred.
• Proven ability to cross-sell banking products.
• Strong working knowledge of regulations and compliance.

Responsibilities

• Develops and manages new commercial loan accounts.
• Builds relationships with business owners and executives.
• Evaluates financial information to assess credit risk.

Skills

Commercial credit underwriting

Business development

Portfolio management

Communication skills

Interpersonal skills

Analytical skills

Time management

Education

Bachelor's degree in Finance or Business

Tools

MS Word

Excel

Salesforce

Job description

Job Title

VP, Relationship Manager

Summary

Develop and manage new commercial loan accounts and client relationships while enhancing existing customer relationships. The role is proactive in providing financial solutions to both existing and prospective clients, increasing the bank's deposit base through various products, developing sound and profitable business relationships, credit assessment and exceeding customer needs and expectations while complying with regulatory requirements.

Essential Duties and Responsibilities

• Frequently represents the bank in the business community; actively develops relationships with business owners, C-level executives, COIs, etc. and builds a network of prospective bank customers to drive deal flow.
• Builds and maintains a list of at least 15 targeted prospect profiles; strategizes and executes a call plan to meet individual and team sales objectives for the bank's various business lines.
• Manages and services commercial relationships by interviewing applicants and obtaining pertinent financial data.
• Evaluates pertinent financial information and determines whether a credit is an acceptable risk.
• Approves loans within assigned lending authority and company policies and procedures.
• Recommends credits outside lending authority to the next level or presents to the Loan Committee in accordance with established procedures.
• Ongoing monitoring of existing loans for conformity to terms and conditions.
• Actively participates with and assists senior lending officers on larger, more complex credits.
• Monitors market conditions, observing competitor impact and makes recommendations to maintain competitive and profitable product line.
• Develops and maintains comprehensive knowledge of all commercial products including loans, cash management, trade service products and deposits to facilitate cross-selling and enhance the client experience.
• Analyzes financial statements and related information.

Qualifications

• Must have demonstrated skills in commercial credit underwriting, business development and portfolio management for mid-sized developers and investors.
• Minimum of 5-7 years of Commercial Lending experience preferred.
• Must have excellent communication, presentation and tactful interpersonal skills.
• Superb people skills to work within a team environment and successfully develop and retain client relationships.
• Proven ability to cross-sell other banking products, including loans, deposits and treasury management.
• Self-motivated to work independently and take ownership.
• Effective time management and organizational skills are required.
• Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
• This position requires sound business discretion, good judgment and excellent problem-solving skills.
• Basic knowledge of personal computer hardware and software skills including MS Word and Excel.
• Strong working knowledge of regulations, compliance standards, market trends and banking products.
• Superior analytical and decision-making skills based on a thoughtful assessment of risk.

Supervisory Responsibilities

None

Education and/or Experience

• Bachelor's degree in Finance or Business.
• Minimum five to seven years of related experience and training in commercial banking.
• Commercial real estate lending experience is a plus.
• Formal credit training experience preferred.

Computer and Software Skills

• Word
• Excel
• IBS
• Customer Relationship Management software, preferably Salesforce
• Google Suite
• LinkedIn

Certificates, Licenses and Registrations

None

Equal Opportunity Statement

Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation to apply for a position at Enterprise Bank & Trust please contact Human Resources at [e-mail]. Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings. If you would like more information about your EEO rights as an applicant under the law, please click HERE.