Commercial Relationship Manager I

4 weeks ago


Bozeman, Montana, United States First Interstate Bancsystem Inc Full time

About the Role

This position serves as the account executive for new and existing complex clients and will be responsible for managing a portfolio with Average Loans Outstanding from $7.5MM to $20MM.

Key Responsibilities

  • Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
  • Uses the Dashboard to track performance.
  • Initiates and develops new business through outside business development activities.
  • Ensures ongoing contact with new clients to enhance client's experience with FIB.
  • Develops a comprehensive understanding of the client's needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.
  • Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank's commitment to the communities we serve.
  • Builds client referral pipeline via identification and development of internal and external center of influence.
  • Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products.
  • Proactively promotes bank products and services and keeps clients informed of all the financial solutions FIB has to meet their needs.
  • Partners consistently with other internal business partners to uncover opportunities to deepen the client relationship.
  • Works on complex problems requiring in-depth evaluation of client information.
  • Makes decisions on loans and terms within established lending limits.
  • Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
  • Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
  • Research and study industrial, commercial, economic, and financial situations relating to existing and new business.
  • Maintain compliance with all bank regulations for assigned job function and applies to designated job responsibilities.

Requirements

  • Bachelor's degree (B.A.) from a four-year college or university and one plus (1+) years' experience.
  • Exhibits strong credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience.
  • Has completed Credit Analyst training.
  • Knowledge of commercial lending policies, procedures, practices and documentation.
  • Excellent written and verbal communication and presentation skills.
  • Ability to work effectively with individuals and groups across the company to manage customer relationships.
  • Proficiency with personal computers and related software packages such as Word and Excel.
  • Knowledge of the bank's risk-rating system, credit products and underwriting policies.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.



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