Commercial Lending Relationship Specialist

2 weeks ago


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

Position Overview:

The Commercial Relationship Manager will be responsible for overseeing and nurturing commercial loan accounts, ensuring adherence to established lending standards while optimizing profitability and mitigating risks.

Key Responsibilities:

  • Manage and enhance commercial loan portfolios to align with lending criteria.
  • Drive the bank's growth and profitability through the establishment of strong commercial partnerships.
  • Collaborate with branch leadership to formulate strategic business plans and sales objectives.
  • Advocate for bank products and services to both current and prospective commercial clients.
  • Broaden existing client relationships through effective cross-selling and referrals.
  • Introduce innovative products or initiatives aimed at improving customer service and fostering growth.
  • Oversee lending support staff and customer service teams, providing necessary training and mentorship.
  • Negotiate loan terms and continuously assess the credit quality of the loan portfolio.
  • Identify and cultivate referral sources to generate additional business opportunities.
  • Conduct interviews with loan applicants, evaluate financial data, and make informed lending decisions.
  • Engage in community initiatives and business development efforts.
  • Actively participate in efforts to reduce overdue loans and non-performing assets.
  • Contribute to Loan Committee discussions and maintain positive relationships with support personnel.
  • Address inquiries and fulfill additional responsibilities as required.

Qualifications:

  • A bachelor's degree in finance, accounting, or a related field, or equivalent professional experience.
  • Two to three years of experience in commercial and consumer lending.
  • Previous supervisory experience is advantageous.
  • In-depth understanding of lending policies and procedures.
  • Ability to work autonomously, inspire team members, and prioritize tasks effectively.
  • Exceptional communication and leadership capabilities.
  • Proficient in analyzing complex financial data and providing sound recommendations.
  • Strong skills in business development and customer relationship management.


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