AVP, Commercial Relationship Manager
$89,856–$140,400 year
On-siteElkton, Maryland, United States
Job Summary
Manage a $35-65MM commercial portfolio by generating new business development, acting as a primary point of contact for complex accounts, and driving revenue growth through self-sourced opportunities. Identify, prioritize, and develop relationship strategies for high-value retention and expansion while cross-selling all bank products including new deposit dollars. Collaborate with credit services professionals and relationship specialists to oversee transactional processes from initial engagement through final close, including underwriting, credit determination, and commitment presentation. Monitor credit quality, manage delinquent credits, and provide oversight of the closing process while utilizing CRM to track activities. Act as a trusted advisor to clients by delivering knowledgeable advice and solutions within assigned territories.
Required Qualifications
- 6 to 8 years of relevant experience
- Bachelor's degree in business administration, finance, or related field
- Demonstrated 5 years of experience in business lending with a commercial or community bank
- Proven ability in developing business relationships, underwriting, and managing a portfolio
- Comprehensive knowledge of all aspects of commercial, real estate, and construction lending
- Comprehensive knowledge and compliance with ENB credit policies and all applicable federal, state, and bank regulations
- High proficiency in Microsoft Outlook, Word, Excel, and credit analysis tools utilized for credit underwriting
- Excellent communication, presentation, and sales skills
- Excellent working relationship and collaboration skills with support areas of the bank
- Valid Driver's License
- Manage a $35-65MM commercial portfolio
- Manage client relationships to identify additional opportunities in loans, deposits, or financial services
- Identifies, prioritizes, and develops relationship strategies for high-value retention and expansion clients
- Generates new business development within assigned territory
- Assumes ownership of developed client relationships by acting as a primary point of contact
- Delivers knowledgeable advice and solutions within client relationships to optimize revenue opportunities for the bank
- Drives revenue growth through self-sourced opportunities
- Plans and executes quality client/prospect calls
- Cross-sells all bank products, including new deposit dollars
- Directs the coordination for referrals
- Manages transactional processes from initial engagement through final close
- Assumes full ownership of the client experience while working in collaboration with credit services professionals and relationship specialists
- Directly responsible for prospect identification through application and obtaining all supporting documents
- Work in collaboration with a relationship specialist to prepare for credit action through submission to credit services for underwriting through credit determination
- Work in collaboration with credit services from underwriting through credit decision
- Partner with a relationship specialist on the preparation of the commitment, presentation of the offer, and clearing of conditions to close
- Collaborate and provide oversight of the closing process
- Monitors credit quality within assigned portfolios and takes action
- Utilize CRM to track prospect and customer activities
- In partnership with the Underwriter, making recommendations to the Loan Committee and the Board of Directors
- Monitoring repayment activity
- Managing delinquent credits within the portfolio
- Actively participating in community activities and organizations
- Collaborate with portfolio manager(s) on portfolio administration
- Complete other sales goals as assigned
- Flexibility in schedule is required, particularly when meeting deadlines, and is crucial, including possible periods of overtime
- Travel may be required for this position
- While performing the duties of this job, the employee is regularly required to talk or hear
- Specific vision required by the job includes close, distance, and focus vision
- The employee must be able to lift and/or move up to 25 pounds, including standard computer and copy paper boxes, and open and close filing cabinets and drawers
Hiring someone like this?
Get your role in front of qualified candidates on Sorce.