Commercial Real Estate Rel Mgr

Job Description: GENERAL FUNCTION: Under minimal supervision, responsible for managing the bank's relationship with an extensive existing portfolio of bank customers with a large financial base and strong asset base throughout assigned marketing area. Responsible for the review and underwriting of credit requests and insuring appropriateness and satisfaction level of existing services provided. Responsible for developing revenue growth through generation of loans, deposits, cross-selling all applicable bank services to existing customer base, and to identify and solicit bank services to non-customers. Help develop less experienced relationship managers. Strong emphasis on new business development.


ESSENTIAL DUTIES & RESPONSIBILITIES:

I. Insure that relationships are managed to the highest profit potential for the Bank, cross-sell all applicable 5/3 products and services to an existing portfolio, and manage the sales process in assigned marketing area. Develop intimate knowledge of all customers and businesses.
II. Develop profitable new business, credit and non-credit new business development within assigned territory, develop intimate knowledge of all prospect opportunities, meet or exceed call quota on a monthly basis.
III. Underwrite credit requests and approve loans within established lending limits or make recommendations on loans that require higher approval authority.
A. Monitor, on an ongoing basis, information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk.
B. Ensure proper reporting, documentation, and review to determine that a loan is an acceptable risk.
C. Identifies acceptable credit opportunities and develop them to generate significant non-credit sales.
IV. Participate in various community affairs and projects to promote the image of the Bank and further develop new business opportunities.
V. Meet or exceed goals stated in Compensation Plan document.


SUPERVISORY RESPONSIBILITIES:

While there are no formal supervisory responsibilities, the incumbent is expected to actively participate as a mentor in the Commercial Division's mentoring program and develop appropriate skills to prepare for a supervisory role.