Residential Real Estate Relationship Manager II

The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies.

Portfolio management and pricing decisions within credit authority
• Recommendations for credit approval to Senior Loan Committee
• Cross-selling referrals
• Business development strategies, including prospect list development
• Recommend promotional sponsorships to senior management
• Maximizes the department's profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts
• Actively participates in business development activities for the purpose of attracting additional profitable business for the bank
• Provides guidance to less experienced relationship managers
• Maintains professional community relations, including leadership roles, to increase the bank's visibility and new business opportunities, and to further personal development
• Cross-sell additional products and services to existing customer base and asks for referrals.

• Bachelor's degree in business, finance, accounting, related field, or equivalent experience
• Minimum 5 years of progressively increasing commercial lending experience
• Knowledge of pricing models as it relates to profitability of lending unit
• Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Knowledge of sales principles
• Detailed knowledge of credit analysis practice and procedure
• In-depth knowledge of products and services offered by financial services institutions
• Strong analysis, judgment, and communication (oral and written) skills
• Should possess excellent negotiation and problem-solving skills
• Ability to present loan commitments to executive management of customers should be attained prior to this level
• Must possess a high level of analytical skills
• Must possess effective interpersonal skills
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
• Motivation and initiative are essential

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.

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