Community Relationship Manager Associate

This position is responsible for identifying customer needs and matching them with the appropriate bank products and services to enhance a current or prospective customer's satisfaction, loyalty, and financial well-being. This position will develop proactive sales/service efforts and portfolio management skills to grow a portfolio of business and consumer clients while mitigating credit risk.

Advise and counsel directly with customers to understand their financial needs and appropriate products and services to offer them.
• Originate and submit credit requests promptly for decisioning via organized loan packages that present the needed credit documentation and identify the appropriate credit issues.
• Provide high level of customer service to existing clients to build relationships, to expand development of business, and to identify and create cross-selling opportunities for other product lines
• Practice business development skills by performing business calls to customers and prospective customers to gain further experience in outside loan production, negotiations and support achievement of growth goals
• Mitigate credit weaknesses, past dues and exceptions through proper loan portfolio management skills including proper risk analysis and identification of risk rate, early renewal processing, loan document preparation and closing, collateral analysis, past due collection management, etc. Work with Audit, Loan Review and the Office of the Comptroller of Currency as needed.
• Assess and prioritize simultaneous multiple responsibilities effectively.
• All work must be performed within the bank's guidelines, policies, procedures and standards of performance.
• Perform additional duties as assigned.

• Minimum of 4 years' experience in either sales, banking or business development
• Effective oral and written communication skills
• Practical working knowledge of sales principles and business development
• Good interpersonal skills and ability to build relationships with others
• Practical working knowledge of negotiation and decision-making skills to serve the best interest of the bank and borrower
• Results oriented, flexible, and able to prioritize simultaneous work assignments
• General knowledge of the financial services industry, business lending and credit underwriting
• Proficiency with Microsoft Word and Excel
• Four-year college degree in business, finance, accounting or related field of study preferred
• Experience properly managing a loan portfolio preferred
• Banking experience or equivalent in one or a combination of the following areas: Management Development Program, relationship manager, credit analysis, or retail banking preferred

Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.