Business Banking Relationship Manager III 8/16/2016

Confidential Company Peoria, IL

Company
Confidential Company
Job Classification
Full Time
Company Ref #
28777970
AJE Ref #
575896739
Location
Peoria, IL
Job Type
Regular

JOB DESCRIPTION

APPLY
BUSINESS BANKING RELATIONSHIP MANAGER III - IL - #2368

A full service $20B+ financial institution in the St. Louis Metro is seeking a Business Banking Relationship Manager III to support the Bank's mission through effective management of the sales and service, targeted business development efforts and community involvement. A Business Banking Relationship Manager III seeks profitable and sound loan opportunities while managing and growing a portfolio loan. Additional responsibilities include developing and managing, commercial banking relationships in accordance with the Bank's core values and prescribed sales process.

KEY DUTIES, ACTIVITIES AND RESPONSIBILITIES:

* Clients generally are between $1MM and $20MM in annual revenue.
* Generate, retain, & expand lending, investment and deposit relationship with new and existing clients through client referrals, centers of influence & direct prospecting.
* Develop, generate and follow-up on new client leads through existing clients, client referrals, COI referrals, & prospecting.
* Manage overall relationship profitability & portfolio risk and is responsible for profitable growth of the portfolio assigned (includes loans, deposits, & fee income).
* Act as a consultant to clients and a resource to the Bank in developing & retaining business.
* Provide insight & ideas for enhancing client relationships, client cash flow, profitability, and efficiency.
* Manage the overall credit quality of assigned portfolio (includes sales, credit analysis, loan structuring, client and prospect interviews).
* Monitor & manage existing credit relationship, which includes note renewals, reviewing & detailed analysis of current financial statements & collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions & covenant monitoring, compiling reports necessary to monitor asset & credit quality and compliance with policy/regulation.
* Negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, recommend appropriate credit grade, make oral/written presentation to underwriter or loan committee, and implement approval/declination action.
* Serve as the primary link for all financial services to the individual Business Banking client with the bank (i.e. Treasury Services, International, Trust, and Cash Vault).
* Participate in community & professional activities in order to enhance the banks image and expand personal network of business contacts for development of new business.
* Monitor accounts to identify potential credit problems and assure proper loan documentation. Customers tend to have complicated lending requirements involving term loan agreements, commercial real estate, and revolving credit lines.
* Communicate and collaborate with consistency and transparency with business banking teams and internal partners.
* Consistently use and maintain CRM usage.
* Other duties as assigned.

WORK EXPERIENCE, SKILLS AND EDUCATION REQUIRED:

* Bachelor's degree or equivalent experience in related field
* 5years proven business banking sales experience
* Ability to manage time effectively to balance new & existing relationships to meet goals
* Ability to prospect and network at various levels within a company
* Demonstrates strong strategic sales knowledge selling to small business owners
* Demonstrates proficient level of business banking product knowledge and product innovation
* Knowledge of market/industry trends
* Demonstrates ability to source/produce efficient credit opportunities.
* Knowledge of credit and operational risk-ability to quantify potential exposure and advise team
* Understanding of credit underwriting
* Strong knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements
* Demonstrates knowledge of financial analysis (including ratio and trend analysis and projections)
* Knowledge of accounting principles and practices
* Demonstrated capacity to sell products/services within the financial services industry
* Strategic sales planning to define target markets, strategic sales approaches, and provide solutions
* Specialized knowledge of specific markets in order to serve defined industries.
* Ability to prospect and network at various levels within a company
* Enhance communication and negotiation skills for more complex deals and relationships
* Manages time effectively to balance new & existing relationships to meet goals