SVP, Commercial Relationship Manager
Capital Bancorp - Columbia, MD
posted 16 days ago
About the position
The Commercial Relationship Manager (RM) is an outside sales role focusing on acquiring new and maintaining existing Commercial and Industrial (C&I) relationships in the Bank. A C&I RM targets relationships equal to or greater than $5,000,000 in revenue and equal to or greater than $2,500,000 in loan requests for the Bank. The loan size and revenue size serve as guidelines and actual relationships and loans may be above or below the stated amounts. The role has overall responsibility for ensuring that the Bank is generating revenue and growing the overall C&I portfolio and deposit base within the Commercial Bank based on the parameters outlined above and is accountable for meeting and/or exceeding their goals each year. Further, the role ensures that the overall credit quality of the C&I portfolio meets the credit standards for the Bank.
Responsibilities
- Works with existing and prospective customers to obtain and retain business relationships focused on C&I customers.
- Leads the credit process working with the Commercial Relationship Liaison and the Credit Administration team to prepare credit request files for review and presents the credit requests for approval at Loan Committee meetings.
- Approves or recommends for approval sound loans reflecting attention to analysis, loan structure, and pricing relative to the risk and value of the borrower within lending authority and bank loan policy.
- Facilitates closings with the customer, settlement agents, and/or attorneys.
- Services and manages the loan portfolio in partnership with the Portfolio Manager.
- Negotiates complex pricing, loan structure, and loan agreement issues on large borrowers.
- Monitors existing assigned loans to ensure compliance with loan terms, proper loan risk ratings, timely past due management, and problem loan detection.
- Understands regulatory compliance matters that directly affect lending processes and is committed to complying with those requirements.
- Acts as the escalation point for the assigned team in relation to issues that arise.
- Works with team members on loan write-ups and deal structures, ensuring that deals going to Loan Committee are sound and within guidelines.
- Collaborates with the C&I Team Leader and C&I Market Executive to execute strategies to drive business.
- Works closely with the Treasury Services team to create and execute strategies to increase deposits and treasury services relationships.
- Creates the annual sales plan and executes the plan accordingly.
- Leads in the market by attending community events, networking, serving on boards of local non-profits, and developing Centers of Influence.
Requirements
- Previous and successful sales experience as a Commercial Relationship Manager/Loan Officer/Business Banker with experience in C&I lending.
- Experience doing business with C-Level executives and investors.
- Experience in all aspects of the loan and credit process and a good understanding of how the banking industry operates.
Nice-to-haves
- Advanced underwriting skills
- Highly analytical in nature
- Strong credit acumen and experience
- Understanding of loan documentation and working with outside counsel to ensure correctness
- Knowledge of lending and depository procedures and regulations
- Proficient with Microsoft Office software suite (Word, Excel, PowerPoint, etc.)
- Excellent verbal and written communication skills.
Benefits
- Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!
- Company Contributions to your 401k - Regardless of your contribution
- Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
- Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities.
