VP Commercial Relationship Manager III

Full-time

Hagerstown, MD

Credit Intermediation and Related Activities

About the position

Primary responsibility of this position is to develop and expand profitable commercial relationships by identifying financial needs and recommending appropriate solutions. Key areas of focus include loans, business services, deposits, related retail, and trust services. Responsibility includes the ability to assess financial performance in a variety of industries, understand and interpret the underwriting process, credit policy and procedures, structure credit relationships and maintain strong customer service standards.

Responsibilities

• Achieve established goals in loan, deposit, and fee production through the development of new and expansion of existing relationships.
• Implement a comprehensive business development calling program to fulfill the corresponding goals by targeting existing customers, prospects, and center of influence contacts.
• Expand business customer's retail and trust relationships by actively profiling needs, cross selling appropriate solutions and referring opportunities / leads to partners within the bank.
• Understand and comply with the objectives of the internal sales management system (Sales Tracker) to track and update new business opportunities, maintain customer profiles, and record calls.
• Apply necessary credit and financial analysis skills to prioritize opportunities, assess risk and appropriately structure credit requests.
• Develop and effectively deliver credit presentations to appropriate approval authorities including the identification of strengths, weaknesses, mitigants, and recommendations for approval of credit requests.
• Assure that the loan portfolio is properly rated and managed to reduce risk and maintain compliance with external regulations and internal policies.
• Maintain sufficient Bank and Trust Company product knowledge to identify opportunities and cross sell products and services.
• Deliver exceptional customer service both internally and externally and fulfill the existing customer service standards within the Bank.
• Maintain effective, professional and responsive communication both internally and externally at all times.
• Represent the Bank within the community in a professional manner and be actively involved in a leadership role of appropriate professional, charitable, and civic organizations.

Requirements

• A bachelor's degree in accounting, business, or economics (with a heavy concentration of accounting) or equivalent education and experience.
• A minimum of ten (10) years banking experience with at least seven (7) years of intense commercial and mortgage lending experience.

Nice-to-haves

• Communication Negotiation Proficiency
• Computer Skills
• Leadership Skills
• Customer/Client Focus
• Deadline Oriented
• Analytical Skills
• Ethical Conduct