Commercial Lending Manager

2 weeks ago

Auburn, Alabama, United States CB&S Bank Full time
Job Overview

POSITION SUMMARY

The Business Relationship Executive is responsible for managing and nurturing commercial loan accounts, ensuring they align with established lending criteria while maximizing profitability and minimizing risk for CB&S Bank. This role is crucial in fostering growth and enhancing the bank's profitability through strong commercial partnerships.

KEY RESPONSIBILITIES

  • Collaborates with branch leadership to develop strategic business plans aimed at achieving sales objectives and overall organizational targets.
  • Possesses comprehensive knowledge of all bank products and services to effectively promote offerings to both existing and prospective commercial clients.
  • Maintains and enhances existing commercial loan accounts while expanding relationships through cross-selling and referrals.
  • Assists in the rollout of new products or initiatives designed to improve customer service and stimulate growth.
  • Demonstrates initiative in achieving assigned sales, service, and retention objectives.
  • Supervises lending assistants and customer service representatives, conducting performance evaluations and providing necessary training on commercial products and services.
  • Negotiates terms of credit, including costs, repayment methods, and collateral requirements.
  • Monitors the credit quality of the commercial loan portfolio, performing thorough analyses of credit reports, financial statements, and cash flows.
  • Develops and nurtures referral sources to generate additional business opportunities.
  • Proactively informs clients about upcoming loan maturities and renewals, ensuring timely completion of necessary documentation.
  • Participates in various committees as assigned and may manage special projects or programs as directed by management.
  • Conducts interviews with loan applicants, assesses financial information, and makes informed lending decisions in accordance with established policies.
  • Responsible for managing a commercial loan portfolio, ensuring adherence to sound banking practices while maintaining profitability.
  • Engages in community activities to enhance the bank's visibility and reputation.
  • Conducts business development calls to both existing and potential clients, tracking progress in a contact management system.
  • Implements strategies to reduce overdue loans and non-performing assets to meet leadership expectations.
  • Collaborates closely with the Collection Manager to address delinquent accounts.
  • Facilitates effective communication between team members and management to ensure a high-quality information flow.
  • Interacts effectively with all levels of bank personnel and communicates efficiently with clients and management.
  • Achieves specific goals related to production, quality, and growth as outlined by management.
  • Actively seeks new deposit and Treasury Management opportunities within the assigned market.

ADDITIONAL DUTIES

  • Participates in Loan Committee meetings as necessary.
  • Maintains strong working relationships with loan support staff.
  • Responds to inquiries or directs them to the appropriate department, ensuring follow-through with clients and staff.
  • Performs other duties as assigned by management.

QUALIFICATIONS

  • Bachelor's degree in accounting, finance, or a related field preferred, or equivalent business experience.
  • Two to three years of experience in commercial and consumer lending; supervisory experience is advantageous.
  • In-depth knowledge of lending policies and procedures.
  • Ability to work independently, prioritize tasks, and meet established objectives.
  • Proven ability to motivate staff in a sales environment.
  • Strong leadership, organizational, and communication skills, both verbal and written.
  • Capability to analyze complex financial information and present findings effectively.
  • Willingness to travel to meet with clients and bank personnel.
  • Essential skills in business development, customer relations, and decision-making.
Job Posted by CB&S Bank

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