Commercial Relationship Manager

4 weeks ago

Tuscaloosa, United States CB&S Bank Full time
Job DescriptionJob Description

GENERAL FUNCTION

Manages and develops commercial loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the bank. Contributes to the growth and profitability of the bank through commercial relationships.

MAJOR DUTIES AND RESPONSIBILITIES

  • Works with branch managers to determine business plan to reach area sales goals and overall system targets.
  • Knowledgeable of the features and benefits of all bank products and services in order to efficiently promote the bank to existing and potential commercial customers.
  • Services existing commercial loan accounts and expands existing relationships through cross-sells and referrals.
  • Assists in the implementation of new products or programs to help provide better service to customers and stimulate new growth.
  • Displays the initiative needed to achieve assigned sales, service & retention goals.
  • Directly supervises one or more lending assistants, administrative assistants, and customer service representatives. Evaluates staff's work performance by preparing annual reviews and conducting counseling sessions. Supervises and trains staff in developing a complete knowledge of our products and services with an emphasis on commercial products. Assists and advises staff regarding policies and procedures for commercial lending.
  • Negotiates credit terms such as costs, loan repayment methods and collateral specifications.
  • Responsible for ongoing monitoring of credit quality of personal loan portfolio. Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis.
  • Develops referral sources for additional business.
  • Proactively notifies customers of upcoming loan maturities, renewals and other loan events, ensuring receipt of all necessary documentation to complete loan renewals in a timely manner.
  • Serves on various committees as assigned by management. May also handle special programs, such as Business Manager, Credit Card program, and other various special projects as assigned by supervisor and management.
  • Interviews loan applicants, analyzes financial information and makes appropriate loan decisions. Decisions must be based primarily on opinions derived from facts and projections based upon the best available information. Must abide by specified lending authority as dictated by the loan policy and procedures manual. Presents loan requests above lending authority to loan review committee for approval.
  • Primarily responsible and influences directly a loan portfolio as it pertains to commercial loans under his or her responsibility. Must service loan portfolio in a manner consistent with sound banking practices, while maintaining profitability.
  • Engages in other outside activities consistent with the company's responsibilities in the community and the industry. Participates in the bank's officer call program and promotes the bank's services where appropriate.
  • Makes business development calls on existing customers and prospective customers. Tracks calls and pipeline in contact management system.
  • Maintains an active role in community affairs to improve the bank's visibility in the area.
  • Implements plans to reduce total past dues loans and non-earning assets to a level determined by the Bank Leadership.
  • Works closely with Collection Manager in the collection of delinquent and matured accounts.
  • Provides leadership to effective communication between subordinates and superiors to assure high quality information flow in all directions. Provides exceptional customer service to internal and external customers.
  • Requires the ability to interact effectively with all levels of bank personnel. Must efficiently communicate with bank customers, management, and department heads.
  • Obtains specific goals related to production, quality and growth as described by supervisor. Goals will be set to include asset quality, growth in loans and deposits, branch profitability, efficiency, and business development.
  • Actively pursues new deposit and Treasury Management opportunities in assigned market.

ADDITIONAL RESPONSIBILITIES

  • Participates in Loan Committee meetings when appropriate.
  • Maintains excellent working relationship with loan support staff.
  • Responds to inquiries or refers inquiries to the appropriate department or person, exhibiting the necessary follow through with customers and/or staff involved.
  • Performs all other duties assigned by supervisor.

JOB QUALIFICATIONS

  • Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or

equivalent business related experience.

  • Two to three years of commercial and consumer lending experience. Supervisory experience is a plus.
  • Proven knowledge of loan policies and procedures.
  • Ability to work independently, establish priorities and procedures, and meet established goals.
  • Proven ability to motivate staff in sales.
  • Strong personal leadership skills, organizational skills, and excellent communication skills, both verbal and written. Demonstrated ability and to communicate complex issues, both orally and written.
  • Ability to analyze and summarize complex financial information, make presentations of that information, communicate its contents, and make recommendations for appropriate courses of action.
  • Ability to travel to various locations to meet with customers and bank personnel.
  • Strong business development, customer relations, and decision-making skills are essential.


Job Posted by ApplicantPro

  • Commercial Relationship Manager

    2 weeks ago

    Tuscaloosa, Alabama, United States CB&S Bank Full time

    GENERAL FUNCTION Manages and develops commercial loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the bank. Contributes to the growth and profitability of the bank through commercial relationships. MAJOR DUTIES AND RESPONSIBILITIES Works with branch managers to determine business plan to...

  • Commercial Relationship Manager I, II, III or IV

    3 weeks ago

    Tuscaloosa, United States Trustmark National Bank Full time

    Overview Position is responsible to develop and manage commercial accounts that meet established requirements, focus on customer service and maximize profitability with minimal risk for the bank This position may be filled as a Level I, II, III or IV. Additional responsibilities and qualifications apply. Responsibilities Understanding of...

  • Commercial Relationship Manager I, II, III or IV

    2 weeks ago

    Tuscaloosa, United States Trustmark Full time

    Overview: Position is responsible to develop and manage commercial accounts that meet established requirements, focus on customer service and maximize profitability with minimal risk for the bank This position may be filled as a Level I, II, III or IV. Additional responsibilities and qualifications apply. Responsibilities: Understanding of credit,...

  • Commercial Lending Clerk

    3 weeks ago

    Tuscaloosa, United States Alabama ONE Full time

    Under limited supervision, the Commercial Lending Clerk will provide administrative support to process, close, and service business and consumer loans. The Support Specialist will assist Loan Officers in preparing, processing, closing, and servicing business loan applications; review and process Collateral Protection Insurance (CPI) documentation, Guaranteed...

  • Relationship Banker II

    4 weeks ago

    Tuscaloosa, Alabama, United States Regions Bank Full time

    Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed,...

  • Service Manager 2

    4 weeks ago

    Tuscaloosa, United States Computacenter PLC Full time

    About the role Roles at this level will be fully accountable for their own work, establish their own milestones, team objectives, and will delegate assignments. What you'll be doing * Provide high-level consultancy role within the specialist area to peer group, customers, and if applicable, direct reports. * Manage and implement projects relevant to the...

  • Service Manager 2

    4 weeks ago

    Tuscaloosa, United States Computacenter AG & Co. oHG Full time

    About the role  Roles at this level will be fully accountable for their own work, establish their own milestones, team objectives, and will delegate assignments.    Location: Vance, Alabama   What you’ll be doing  Provide high-level consultancy role within the specialist area to peer group, customers, and if applicable, direct...

  • Preconstruction Manager

    3 weeks ago

    Tuscaloosa, United States Tusco Inc. Full time

    When you join Tusco, you not only become a member of one of the most respected perimeter security solutions teams, but you also become a member of the Tusco family. If you are motivated to achieve success with a rapidly growing security solutions leader Tusco is interested in you! Tusco has become an award-winning organization through PERFORMANCE...

  • Preconstruction Manager

    4 weeks ago

    Tuscaloosa, United States Tusco Inc Full time

    When you join Tusco, you not only become a member of one of the most respected perimeter security solutions teams, but you also become a member of the Tusco family. If you are motivated to achieve success with a rapidly growing security solutions leader Tusco is interested in you! Tusco has become an award-winning organization through PERFORMANCE excellence,...

  • Preconstruction Manager

    4 weeks ago

    Tuscaloosa, United States Tusco Inc Full time

    When you join Tusco, you not only become a member of one of the most respected perimeter security solutions teams, but you also become a member of the Tusco family. If you are motivated to achieve success with a rapidly growing security solutions leader Tusco is interested in you! Tusco has become an award-winning organization through PERFORMANCE...

  • Sales and Operations Management Trainee

    4 weeks ago

    Tuscaloosa, United States Fleet Jobs Full time

    Position Summary: Take charge. Think fast. Move forward. As a Sales and Operations Management Trainee in our fast-paced environment, you will use your hard-earned degree to run a business and quickly solve problems for our customers - who will depend on you to achieve success. Penske will introduce you to our sales processes, leading-edge technology and...

  • Restaurant Manager>

    3 weeks ago

    Tuscaloosa, United States Olive Garden Full time

    Olive Garden - 2100 Mcfarland Blvd E [Kitchen Manager / Shift Manager] As a Restaurant Manager at Olive Garden, you'll: Report to the General Manager and be accountable for taking initiative, being people-focused, and results-oriented; Be responsible for leading their teams in a busy, fast-paced environment; Demonstrate passion for service, a strong desire...

  • Care Manager, RN

    2 weeks ago

    Tuscaloosa, United States DCH Full time

    Overview The Care Manager works collaboratively with interdisciplinary and healthcare team members, both internal and external to the organization to facilitate patient care through effective utilization and monitoring of healthcare resources and assumes a leadership role to achieve safe discharge planning along with desired clinical and financial outcomes....

  • Restaurant Manager

    4 weeks ago

    Tuscaloosa, United States Hooters of America, LLC Full time

    Hooters of America LLC is looking for a Restaurant Manager in our Hooters of America!!! Manages various areas of responsibility within the operation; specifically Hospitality, Guest Satisfaction, Safety, Cleanliness, Drink Presentation, and Atmosphere. Assists General Manager to ensure operations run efficiently and according to company policy and...

  • Accelerating Research Translation Project Director

    1 week ago

    Tuscaloosa, United States The University of Alabama Full time

    Pay Grade/Pay Range: Minimum: $74,200 - Midpoint: $100,200 (Salaried E12) Department/Organization: 702109 - Innovation & Commercialization Normal Work Schedule: Monday - Friday 8:00am to 4:45pm Job Summary: The Accelerating Research Translation Project Director translates needs to technical requirements, communicates with stakeholders, and coordinates teams...

  • Accelerating Research Translation Project Director

    4 days ago

    Tuscaloosa, United States University of Alabama, Tuscaloosa Full time

    Pay Grade/Pay Range: Minimum: $74,200 - Midpoint: $100,200 (Salaried E12) Department/Organization: 702109 - Innovation & Commercialization Normal Work Schedule: Monday - Friday 8:00am to 4:45pm Job Summary: The Accelerating Research Translation Project Director translates needs to technical requirements, communicates with stakeholders, and coordinates...

  • Accelerating Research Translation Project Director

    1 week ago

    Tuscaloosa, United States InsideHigherEd Full time

    Pay Grade/Pay Range: Minimum: $74,200 - Midpoint: $100,200 (Salaried E12)Department/Organization: 702109 - Innovation & CommercializationNormal Work Schedule: Monday - Friday 8:00am to 4:45pmJob Summary: The Accelerating Research Translation Project Director translates needs to technical requirements, communicates with stakeholders, and coordinates teams of...

  • Senior Sales Manager

    4 weeks ago

    Tuscaloosa, United States Homewood Suites by Hilton Full time

    ABOUT THE HOTEL: The Homewood Suites in Downtown Tuscaloosa, AL is managed by Vista Host Development & Management. We are looking for General Manager for this 110+ room property. The Homewood Suites is right in the downtown Tuscaloosa area with the 205 Bar / Restaurant. Close to the University of Alabama, Amphitheater, and numerous restaurants, the hotel is...

  • Territory Sales Manager

    2 weeks ago

    Tuscaloosa, Alabama, United States ITAC Solutions Full time

    Are you a dynamic sales professional looking to make a significant impact in the Great Lakes region? Our client is seeking a Regional Sales Manager to join their team, focusing on maintaining and expanding relationships with established clients. This role offers a unique blend of travel, client interaction, and the opportunity to be a key player in a...

  • Service Manager I_

    3 days ago

    Tuscaloosa, United States Mobile Communications America Full time

    MCA, your trusted advisor for wireless communications, data, and security services is seeking a **Service Manager I** for our **Tuscaloosa, AL** location to support our growing **MSS** division. MCA seeks team members who share our values: service, growth, teamwork, and safety. As a Military Friendly Employer, we welcome veterans, with over 250 already on...