Commercial Relationship Manager Resume Samples
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Commercial Relationship Manager Resume Samples
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KL
K Leannon
Kiley
Leannon
66346 Queen Keys
New York
NY
+1 (555) 452 2154
66346 Queen Keys
New York
NY
Phone
p
+1 (555) 452 2154
Experience
Experience
Houston, TX
Commercial Relationship Manager
Houston, TX
Rowe, Yost and Bernhard
Houston, TX
Commercial Relationship Manager
- Specialized knowledge of specific markets in order to serve defined territories
- Community Involvement
- Administrative Duties
- Credit Monitoring
- Asset Quality
- Loan Closing
- Follow market trends and developments to increase the bank’s business in established and developing markets
Phoenix, AZ
Commercial Relationship Manager Associate
Phoenix, AZ
Boyer-O'Keefe
Phoenix, AZ
Commercial Relationship Manager Associate
- Management Development Program
- Supports development of sales proposals
- Relationship Manager
- General working knowledge of PC operations to include word processing and spreadsheet applications
- Works with the relationship team and business partners to ensure quality account support
- Develops client relationships within assigned account segment
- Interfaces with and builds less-complex client relationships
present
Chicago, IL
Senior Commercial Relationship Manager
Chicago, IL
Bahringer LLC
present
Chicago, IL
Senior Commercial Relationship Manager
present
- 5 plus years in a commercial banking, business banking or commercial relationship building roll
- Successful track record producing and funding business loans from $1MM to $5MM and consistently producing $5 million plus per year
- Working knowledge of Capital Markets including Loan Syndications, Private Equity, Debt Capital Markets and non-bank loan alternatives
- Educate and support Store Managers and staff about products, lending process, escalation of Credit Center overrides and closing loans
- Identify, prospect and develop commercial banking customers throughout Austin and surrounding areas
- Develop and implement a marketing plan to successfully produce commercial banking relationships
- The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization
Education
Education
Bachelor’s Degree in Business
Bachelor’s Degree in Business
Ball State University
Bachelor’s Degree in Business
Skills
Skills
- Proficient with Microsoft Office products and ability and willingness to become proficient with critical proprietary systems
- Excellent capability to independently and proactively service multiple clients and effectively manage multiple priorities
- Strong ability to advocate persuasively
- Strong communication skills with the ability to prepare and deliver persuasive oral and written reports and presentations
- Thorough knowledge of credit and credit quality
- Good PC skills including knowledge of word processing and spreadsheet applications
- Excellent communication skills with the ability to prepare and deliver persuasive oral and written reports and presentations
- Advanced knowledge of credit and credit quality
- Strong business acumen, as well as strong presentation skills in both large and small group settings
- Ability to learn and adapt quickly
8 Commercial Relationship Manager resume templates
Read our complete resume writing guides
1
Commercial Relationship Manager Resume Examples & Samples
- 4-year degree or equivalent work experience
- Previous credit experience
- 3-4+
2
Commercial Relationship Manager Resume Examples & Samples
- 10+ years of Commercial Banking experience, including 9 or more years of relationship management
- Bachelor’s degree in Business, Finance, or related or equivalent experience
- Formalized commercial credit training required; underwriting experience preferred
- Understanding of financial statements and accounting principles
- Thorough knowledge of Commercial, Treasury Management, and alternative lending and financing options
- Understands the audience and adjust communication as is appropriate level of detail for the audience; captures and holds the audience’s attention
- Proven track record of partnership with investment bankers to provide strategic and capital market advice
- Proven track record of identification and understanding of business issues, problems, and opportunities and the ability to create relevant options for addressing problems/opportunities to achieve desired outcomes
- Influences client decision regarding strategy and product solutions. Engages in joint business planning with internal partners and buyers
- Strong business acumen, as well as strong presentation skills in both large and small group settings
- Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations
3
Commercial Relationship Manager Resume Examples & Samples
- Acting as an advisor to clients on all financial needs with an emphasis on non-credit products
- Effectively managing and building a portfolio of clients in the commercial segment ($10 - $30 million annual revenue size) and effectively identifying cross-sell opportunities for each assigned relationship
- Minimum five years of commercial banking experience and credit experience including financial analysis and underwriting required
- Strong understanding of bank regulation processes
4
Upper Middle Market Commercial Relationship Manager Resume Examples & Samples
- Excellent judge of potential qualified clients/deals. Expert at structuring deals to balance risk and reward. Expert at recognizing early warning signs and closely monitors clients to anticipate changes in risk rating. Proactively identifies issues and restructures relationship to mitigate potential future risk
- Strictly adhere to internal control policies such as the account opening protocols of accurate collection, completion and updating of all required documentation
- Must bring an in-depth knowledge of all aspects of commercial banking including strong commercial credit knowledge and an ability to quickly learn new products and services availability
5
Commercial Relationship Manager Resume Examples & Samples
- Requires a Bachelor’s degree in banking, finance or other related field and 1 to 2 years credit associated lending or 3+ years related experience
- An equivalent combination of education and experience may meet qualifications
- Knowledge of commercial loans, credit analysis and/or lending
- Ability to expand loans, commercial real estate loans, client relationships and cross sell bank products
- Familiarity of the sales, loan processing and closing processes
- Must have good interpersonal and communication skills
- Working knowledge of software applications
6
Commercial Relationship Manager Resume Examples & Samples
- Cross-selling & Client Engagement - developing and managing client relationships through regular client engagement to ensure revenue maximization and increasing Citi’s wallet share in overall banking arrangement
- Risk Management - keeping a close watch on client’s business trends, detecting EW triggers and structuring Bank’s exposure on the RM’s portfolio to have an approach which is consistent with the risk ethos of the bank
- Compliance/Legal related work - ensure internal and regulatory compliance, flag off any AML/franchise related issues and keep abreast of all policies & processes
- Bachelor's degree from reputable University
- Have a good communication in English and Bahasa (oral & written)
- Have minimum 2 years experience in effectively personal of customer focused in SME Banking products
- Excellent selling and extensive networking
- Aggressive, self driven & self motivated
- Possess strong work ethic and integrity
- Strong in negotiation and presentation skills
- Willing to be placed in any Citi branches in Jakarta
7
VP / Commercial Relationship Manager Resume Examples & Samples
- Serve as a conduit for all product lines and match client needs with appropriate products
- Grow revenue as directed by senior management by successfully prospecting new business and making appropriate referrals
- Maintain portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s)
- Manage loan & portfolio credit quality
- Demonstrates intermediate knowledge of credit
- Demonstrates excellent communication skills (verbal & written)
8
Commercial Relationship Manager Resume Examples & Samples
- Serves as trusted advisor to auto dealer clients functioning as the dealer finance credit product and industry expert
- In conjunction with their Manager, leads business development efforts for assigned auto dealer prospect base by developing a clear, concise understanding of their business strategy, markets and competition
- Develops and implements strategies to retain and grow existing dealer relationships
- Partners with all product specialists to cross sell bank products and services consistent with the overarching relationship strategy
- Responsible for completion of all documentation required to assess relationship profitability and document relationship contact activity
- In conjunction with their Manager, leads and participates in the credit process to insure accurate and thorough underwriting, structuring and portfolio management
- Maintains strong asset quality, through gathering and periodic review of dealer financial information, including audit reports and monthly dealer financial statements
- Assesses dealership performance and maintains a dialogue with dealership management regarding the same
- Effectively communicates with Key AutoFinance, Credit and Risk Management around these issues including Risk Rating modifications
- Responsible for creation and execution of risk management strategy for all assigned pass rated relationships in conjunction with their Manager, Key AutoFinance, Credit and Risk Management
- Working with their credit partner or outside legal counsel, is responsible for identification and completion of all legal and bank documents needed to fully comply with loan approval
- In conjunction with appropriate support staff, ensures all obligors are in full compliance with the terms and conditions of legal and bank agreements
- Takes appropriate action to communicate non-compliance to Manager, Key AutoFinance, Credit and Risk Management staff
- Ensures necessary steps are taken to address noncompliance with loan obligors
- Most functions will be completed with some oversight from the individual’s Regional Manager
- A minimum of five years as a Commercial Relationship Manager working with small business or middle market accounts
- Seven or more years of financial services experience and a thorough understanding of bank products and services
- Demonstrated success in business development and customer retention
- Well developed credit, analytical and financial acumen
- Proven track record of building productive interpersonal relationships among all departments and work in a team environment, as well as independently
- Strong organizational and time management skills to manage multiple priorities in a fast paced environment
- Proven track record of meeting turn-around times and other service level agreements
- Strong sense of urgency and results orientation
9
Commercial Relationship Manager Resume Examples & Samples
- Serves a conduit for all product lines and matches client needs with appropriate products
- Grows revenue as directed by senior management by successfully prospecting new business and making appropriate referrals
- Negotiate credit arrangements and prepare credit memoranda and supporting documentation for presentation to the loan committee
- May mentor less experienced commercial relationship staff
- Demonstrates strong knowledge of credit
- Demonstrates ability to be self-starter and show initiative
10
Associate Commercial Relationship Manager Resume Examples & Samples
- Two years banking experience and commercial credit underwriting experience preferred; one year banking experience required
- Undergraduate degree preferred (Associate Degree required)
- Excellent interpersonal, written and verbal communications, negotiation, and analytical skills with a strong desire to learn
- Ability to handle and prioritize multiple tasks
- Advanced Microsoft Word, PowerPoint, and Excel experience required
11
Commercial Relationship Manager Resume Examples & Samples
- Supports unit's growth and profitability through effective calling on existing and potential customers. Identifies business needs and corresponding sales opportunities bankwide
- Works closely with Wealth Management, Treasury, Cash Management, International Trade and other major areas of the Bank to promote the sales and implementation of complex financial products and services. Provides assistance to customers with Foreign Exchange transactions by contacting the Treasury Department. Acts as liaison between customers and Treasury Department for the purchase of other investment products
- Interviews loan applicants to develop information regarding their business needs, abilities and earnings to determine if a loan is an acceptable risk
- Obtains and analyzes all necessary financial data
- Prepares formal presentations for existing and prospective customers
- Documents all loans to ensure perfection of the Bank's security interest in compliance with regulatory, legal and bank requirements
- Attempts to collect accounts that are delinquent. Negotiates payment schedules and obtains proper pre-approval if required
- Interacts with Quality Management, commercial loan servicing/operations, REO, appraisal, legal and other related Bank personnel working with assets regarding issues of quality, pricing new business and related trends
- Provides industry analysis as needed
- May oversee activities of other officers to ensure that current and potential customers receive the best sales and service available
- Sells to and maintains contact with major accounts within jurisdiction
- Promotes satisfactory relations both internally and externally as required
- Vocational/Specialized Training
- Three to five years
- Complete knowledge of commercial lending policies, procedures, practices and documentation (including accounting, financial statements and cash flow analysis). Complete knowledge of bank products and services used by commercial customers. Demonstrated sales and/or portfolio management ability. Complete knowledge of asset based and trade finance lending
12
Senior Commercial Relationship Manager Resume Examples & Samples
- Originates and closes financial transactions with new, existing and former customers within an assigned target market to develop new business, and retain and penetrate existing business
- Develop and cultivate strategic relationships with prospects and customers
- Perform modeling/forecasting, financial statement and cash flow analysis in order to determine deal feasibility and structure Price loans and leases using Pricing Model and prepare Customer proposals
- Develops and manages business banking relationships
- Follows up after closing to insure all documents are completed and in file
- Participates and provides leadership in Bank and community activities including business, charitable, civic and social organizations, increasing Bank's visibility and enhancing new business opportunities
- Interviews business customers and prospects, specialized and/or professional loan applicants, describing all loan products, and explaining loan options, rates, terms and collateral requirements
- Interviews business customers and prospects describing cash management/deposits
- Ensures that proper and accurate disclosures are provided to all applicants within Required timeframes
- Negotiates terms under which credit/cash management services will be extended, including costs, repayment method, collateral requirements; ensures extension of credit/delivery of cash management services is in accordance with corporate policies, pricing guidelines, portfolio consideration
- Approves loans up to pre-authorized limits. Serves as the Relationship Manager on Loans above this limit
- Monitors loan repayment activities and takes necessary action to collect from past-due accounts
- An undergraduate degree. Focal areas of business, finance, economics, or accounting preferred
- 8-10 years of relevant experience in negotiating and structuring financial transactions
- Minimum of 8 years in financial services industry experience in a corporate lending environment developing business
13
Commercial Relationship Manager Resume Examples & Samples
- Develops and analyzes financial background data for new or renewed loans
- Makes recommendations on financial and organizational structure and other matters; visits plant or company sites as required
- Ensures the sale of additional financial services
- Assists internal and external customers, including introducing them to other products/services and other personnel when necessary
- Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter expert
- Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
- Advanced knowledge and experience in C&I lending, bank products, and services that result in successfully capitalizing on all opportunities to cross-sell the bank’s products. In addition, CRE lending expertise is preferred
- Target companies with revenues above $10MM and CRE transactions above $3MM
- Advanced knowledge of CRE and C&I bank products and services that result in successfully capitalizing on all opportunities to cross-sell the bank’s products.-
- Excellent credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience
- Advanced knowledge of commercial lending policies, procedures, practices and documentation
14
Commercial Relationship Manager Resume Examples & Samples
- Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words
- Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
- Requires a Bachelor’s degree or equivalent
- 4-5 years of relevant commercial lending experience and/or prior experience as a commercial credit underwriter
- Knowledge of commercial lending policies, procedures, practices and documentation
15
Commercial Relationship Manager Resume Examples & Samples
- 6-10 years of relevant experience in negotiating and structuring financial transactions
- This position requires Credit Qualification
- The incumbent must possess an in-depth level of Credit knowledge and skills and an in-depth level of Portfolio Management knowledge and skills according to the standards established within the Credit Qualification Process Policies and Procedures. Formal credit training and prior lending authority
- Expertise in financial computer applications and database management tools including MS Excel
16
Senior Commercial Relationship Manager Resume Examples & Samples
- Exhibit leadeship reaponsibilities for overall commercial relationships and mentoring junior commercial bankers
- Effectively manage existing commercial loan portfolio
- Approve commercial loan packages as needed
- Identify, prospect and develop commercial banking customers throughout Bell County
- Develop and implement a marketing plan to successfully produce commercial banking relationships
- Grow commercial business accounts including deposits and other business servic
- 5 plus years in a commercial banking, business banking or commercial relationship building roll
- Commercial Credit Training
- Solid experience evaluating credit risk from company financials, cash flow statements, balance sheets and company P & L reports
- Strong communication and relationship building skills
- Solid History in the community
17
Commercial Relationship Manager Resume Examples & Samples
- Loan Closing
- Focal areas of finance, economics, or accounting preferred
- 12-16 years of relevant experience in negotiating and structuring financial transactions
- Relevant Dealer Finance experience is highly desired
- Excellent knowledge of the organizational lending and portfolio management policies and objectives
- Expert knowledge in one or more areas as recognized by clients and peers
- Has additional years of experience and tenure to investment/ portfolio colleagues within the same business
- Exceptional abilities in business development with demonstrated excellence in cross-selling success, sustaining significant revenue generation
- Strong ability to advocate persuasively
18
Commercial Relationship Manager Resume Examples & Samples
- Bachelor's Degree or equivalent experience in accounting, finance, or a related field
- Minimum of 7-10 years' experience working directly as a Commercial & Industrial Relationship Manager
- Successful track record of recommending and cross selling important banking services including Treasury Management, Capital Markets, International Banking, Wealth Management, Private Banking, and Insurance
- Actively involved in community and/or non-profit volunteering services
19
Commercial Relationship Manager Resume Examples & Samples
- Ability to identify, prioritize and develop relationship strategy for high-value retention, expansion
- Bachelors Degree with 3 years experience in Commercial Banking or sales with at least 1 year of Relationship Management experience. Relevant graduate degree preferred
- Developed negotiation and oral and written communication skills
20
Senior Commercial Relationship Manager Roynat Capital Resume Examples & Samples
- Make
- Strong
- Superior
- Good
- Undergraduate
21
Commercial Relationship Manager Resume Examples & Samples
- 3-5 years of commercial/retail Dealer Sales/Auto Finance lending experience
- Must demonstrate a professional, personable and friendly communication style with a focus on customer service and an ability to interact with all levels of individuals by phone and in person
- Excellent written communication skills are also required, including proper use of grammar, punctuation and business format
- Must enjoy working independently and effectively in a deadline driven, multi-task environment, with organization and attention to detail being imperative
- Proficiency with MS Word, Excel and PowerPoint
22
Commercial Relationship Manager Associate Resume Examples & Samples
- Interfaces with and builds less-complex client relationships
- Supports retention, expansion and acquisition strategies
- Works with the relationship team and business partners to ensure quality account support
- Supports development of sales proposals
- Develops client relationships within assigned account segment
- Strong verbal, written communication, organizational, detail oriented
23
Commercial Relationship Manager Resume Examples & Samples
- Bachelor's Degree or equivalent experience in accounting, finance, or related field
- Minimum 5 - 7 years of financial services related experience
- Established business development skills. Extensive knowledge of bank products
- Ability to use applicable equipment, which may include: PC, Microsoft Office and various Key proprietary systems e.g. Desktop, etc
24
Commercial Relationship Manager Resume Examples & Samples
- Interviews applicants and analyzes applicant financial status, credit, and collateral evaluation to determine feasibility of granting credit. Coordinate with Credit Analyst/Credit Department when applicable
- Approves loans within specified limits or submits for approval to superiors and/or loan committee
- Monitors or coordinates monitoring of existing loans through the ongoing review of financial statements, customer and community interfacing, and review of internal reports
- Resolves customer questions/complaints through direct involvement or through coordination with other bank employees
- Cross-sells bank products to clients & prospects in order to meet individual Commercial Loan Officer goals, specifically including depository & fee goals. In addition, refer clients to other internal bank professionals in order to meet all the banking needs of clients
- Assists the Senior Commercial Loan Officer as needed in order to achieve the Department and bank wide goals
- Complete, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by assigned due date(s)
- Bachelor’s degree (B.A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience required
- Reliable transportation required
- Certifications and Licenses: Valid State Driver's License
25
Senior Commercial Relationship Manager Resume Examples & Samples
- Works with the Sales Manager to identify and develop new markets in the within the bank’s footprint and expand lending opportunities in accordance with the bank’s strategic plan
- Seeks opportunities to build relationships, working within the prescribed framework of policies and procedures to offer flexible and competitive banking solutions, including business loans, lines of credit, deposit and other business products. Gathers the necessary business, financial and personal background information required
- Works with Business Unit Credit Administrator and Commercial Lending Director to negotiate past due collections, workouts and default situations
- Performs other duties as assigned by Management
- Provides advice and council to team mates on various topics, which include sales, marketing, loan structure, pricing, etc. A trusted mentor who represents the bank’s best interests at all times
26
Commercial Relationship Manager Resume Examples & Samples
- Disciplined and motivated self-starter who can manage business development efforts with minimal management oversight
- Develops and deepens relationships with clients and prospective clients through consultative selling and introductions to appropriate bank partners in treasury management, capital markets, insurance, wealth and private banking, and retail banking
- Lead team of cross functional colleagues in collaborative pre-call planning sessions resulting in memorable client interactions
- Brings new ideas to clients and challenges them to consider alternative ways of doing business
- Maintains an updated qualified prospect list that aligns with the risk profile of the bank
- Maintains updated pipeline and proactively works to close high probability opportunities
- Leverages an established group of Centers of Influence to obtain referrals and continually works to grow this network
- Partners effectively with credit risk colleagues
- Ability to identify and mitigate credit risks, make recommendations on appropriate credit structure, and effectively articulate bank recommendation to clients and prospective clients
- Adheres to bank policies and procedures and complies with legal and regulatory requirements
- Follows processes and procedures to ensure risks are measured, monitored and controlled and compliance requirements are adhered to on an on-going basis
- Keeps abreast of risk-related changes that may impact assigned work functions and processes
- Maintains a passion for learning and new skill development and a willingness to mentor colleagues
- Interest in and willingness to be actively involved in community service including potentially serving on the board of directors of a non-profit organization
27
Commercial Relationship Manager Resume Examples & Samples
- Maintain Relationship Plans for all customers in the portfolio such that contact with customers is prioritised
- Conduct annual and if appropriate, interim reviews with non-borrowing customers
- Determine the key messages, e.g. agreed service standards, and negotiated pricing, relationship team contact points and new product changes, deciding upon the most appropriate communication method
- Deal with and find solutions to customer complaints
- Determine the products that are most effective in meeting customer’s needs and be able to sell these at short notice both reactively and proactively
- Research, create and follow up a target list for potential new business
- Research, create and follow up on a target list for potential new business
- Gather all the required information that is needed to prepare and assess credit applications. Role holder will be expected to input certain key information such as judgemental information. (They will work with CMA and CCM resources to construct credit applications)
- Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies
- Credit Risk skills
- Meeting customers’ needs
- Business awareness
- Business development
- Managing Relationships
- Analysis and judgement
- Team results
- Decision making
- Personal Organisation
- Adaptability
28
Commercial Relationship Manager Resume Examples & Samples
- Manage and grow an Insurance and Financial Services portfolio of 10+ clients, including deepening relationships through cross sell opportunities
- Responsible for underwriting new and existing transactions in conjunction with junior RMs and credit analysts, including preparing loan presentations and presenting for loan approval; negotiating legal documentation, loan closings, etc
- Responsible for managing and monitoring portfolio (financial analysis, collecting required financial reporting, clearing exceptions, required internal and external reporting)
- 5-7 years of experience in commercial banking relationship management and new business development
- Bachelor's degree in Business, Finance or Accounting, or comparable work experience
- Successful completion of Commercial Credit Training is a plus, but not required
- Industry experience is preferred, but not required
29
Commercial Relationship Manager Resume Examples & Samples
- For small businesses with one to five million dollars in revenues, provide annual relationship reviews to understand client’s needs and future plans in order to identify appropriate loan, deposit or other financial service opportunities. Utilize the Bank proposal system to provide value added options to clients. Facilitate prompt, courteous and satisfactory problem resolution. Take proactive, appropriate measures to retain loan and deposit balances, when desirable. Foster a collaborative Team approach with Fulton Partners and Retail Relationship Managers to enhance client relationships. Exemplify the delivery of a superior customer experience. Participate in joint calling efforts for existing and prospective customers with Retail Relationship Managers, Fulton Partners and Senior Management. (40%)
- Identify, source and develop prospective customers with lending, deposit and other financial service needs. Utilize Bank proposal system to share the Fulton Financial Corporation story and showcase the bank’s products, services and employees. Identify new loan, deposit and other financial service opportunities within existing client base during regular client meetings. Ability to source a credit opportunity, negotiate mutually agreeable terms, navigate the credit underwriting and approval process, document the loan and execute the closing. Develop strategies to attract and retain high value Centers of Influence such as Attorneys, Accountants, Community Leaders, Chamber of Commerce, EDC’s, Realtors, Insurance Agents, Title Companies. Create value add experiences for clients and prospective clients. Entertain clients, prospective clients and Circles of Interest in an acceptable manner that builds rapport, trust and creditability. Active participation in sales oriented meetings and functions with colleagues, Fulton Partners and Senior Management. (30%)
- Ensure credit review and risk rating practices are continuous, complete and accurate. Gather and review all required financial and related company, industry, management data to monitor ongoing credit worthiness and risk rating accuracy. Monitor management reports to address line reaffirmations, loan maturities, delinquencies, and exceptions. In a timely and efficient manner. Participate in loan committees when required as a Permanent member. Alternate member or presenter. Establish action plans for troubled credits and or work with Special Assets Department to resolve problem loans in an efficient manner to protect the bank’s investment. Timely and proactive management of loan databases, Watch list reports, Asset Quality reporting as directed by Senior Management. Timely resolution to loan documentation and technical exceptions. Compliant with all regulatory and bank risk compliance matters. (20%)
30
Commercial Relationship Manager Resume Examples & Samples
- Bachelor’s Degree in a business discipline strongly preferred
- 5+ years of lending experience preferred
- The ability and work experience to successfully interact with clients
- Prior formal credit training or experience required
- Microsoft Office software experience
31
Commercial Relationship Manager Resume Examples & Samples
- Achieves portfolio growth and loan production expectations of a portfolio with
- Recommends lending decisions based on sound risk mitigation protocols and ensures all agreements/loans conform to policy
- Provides mentoring and shares best practices with other Relationship Managers
- Bachelor’s degree (B. A.) in Business or Finance with more than ten years commercial lending experience and formal credit experience analyzing credit and performing financial analyses on business clients or equivalent combination of education and experience
- Expertise with bank lending software applications and strong knowledge of Microsoft Windows operating system & Microsoft Word, Power Point, Excel and Outlook
- Demonstrated credit experience analyzing complex credit information and performing financial analysis on business clients
- Strong ability to read, analyze and interpret financial reports and legal documents; performs complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals; strong project management skills desired
- Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners
32
Commercial Relationship Manager Resume Examples & Samples
- Complete and pass required BVS courses by due date
- Bachelor’s degree (B.A.) from four-year college or university; five years related commercial loan experience and/or training; or equivalent combination of education and experience required
- Primarily works in an office environment with cubicles and private offices
- The individual will also be required to visit with existing and potential Bank clients outside the Bank
33
Commercial Relationship Manager Associate Resume Examples & Samples
- Work with Commercial Lending personnel on a day-to-day basis in order to learn the fundamentals of Commercial Banking, i.e. portfolio management, credit analysis, loan presentation, and loan negotiation with oversight from an experienced Commercial Relationship Manager
- Begin process of obtaining business development (sales) skills through structured calling program to gain experience in outside loan production and negotiations
- Begin participation in community, professional, and trade organizations
- Minimum of two (2) years banking experience or equivalence in one or a combination of the following areas
- Management Development Program
- Relationship Manager
- Credit Analysis
- Retail Banking
- Basic knowledge of the financial services industry
- Knowledge of Commercial Lending and the bank's financial products and services
- Knowledge of sales principles
- General working knowledge of PC operations to include word processing and spreadsheet applications
34
Commercial Relationship Manager Resume Examples & Samples
- Demonstrate a passion for getting to know the healthcare industry, your customers may have some complex requests and knowing the industry will help you figure out how best to support them
- Writing credit applications, you will need a great eye for detail as your applications will be verified by the analysts in your team
- Be able to show off your commercial banking knowledge to ensure your customers and their applications are being handled by the right people across our commercial teams
35
Commercial Relationship Manager, Food & Ag Resume Examples & Samples
- Minimum 7-10 years of financial services related experience
- Formal credit training and commercial banking underwriting experience
- Masters of Business Administration Degree
- Strong written and verbal communication and negotiation skill set
- Proficient with Microsoft Office products and ability and willingness to become proficient with critical proprietary systems
36
Commercial Relationship Manager Resume Examples & Samples
- Sources prospects and COI's
- Cross-sells the Bank's commercial products and services to existing customers
- Individual budget responsibility in alignment with Incentive Plan Goals
- Represents Santander in civic and community functions to further enhance our business
- Mentors Financial Analysts, Portfolio Managers and/or less experienced Relationship Managers
- Monitors credit quality within assigned portfolios and takes action
- Identifies, evaluates, structures and documents commercial credit
- Participates in joint calls with business partners to develop customer
- At least 15 years experience, including sales/client interfacing and commercial credit knowledge
- Ability to manage high-end Middle Market Clients
- Masters degree a plus
- Ability to work independently and leverage professional relationships within and outside the bank
- Deep understanding of and experience in capital structures and has experience in senior debt structures
- Deep product knowledge in all bank offerings
- Extensive knowledge of financial analysis, risk evaluation, loan documentation and commercial loan structures
- Full utilization of sales automation tools and related technologies
- Knowledge of Credit policy and procedures, and commercial compliance regulations
- Superior sales presentation, interpersonal, negotiation and written and verbal communication skills, evidenced both internally and externally
- Knows and is known in assigned geography
37
Commercial Relationship Manager Resume Examples & Samples
- Sources prospects and Centers of Influence
- Represents Santander in civic and community functions to further enhance Santander's brand and develop expanded business
- May mentor Financial Analysts, Portfolio Managers and/or less experienced Relationship Managers
- Keeps credit business informed
- Participates in joint calls with business partners to develop customer relationships and support specific product sales across business lines
- Comprehensive knowledge of financial analysis, risk evaluation, loan documentation and commercial loan structures
- 7+ years of experience
38
Commercial Relationship Manager Resume Examples & Samples
- Analyzing prospect lists and prioritizing business development opportunities based on market data and customer analytics
- Referring customers and prospects to the appropriate Commercial Banking segment and partners as appropriate
- Pursues a business development program within the assigned market area according to agreed-upon growth objectives by
- Maintaining an appropriate ongoing sales pipeline and calling program
- Identifying and facilitating the involvement of key Bank resources and stakeholders to further business interests
- Planning and completing relationship activities that generate sales opportunities and/or provide value to clients
- Meeting with business leaders and other centres of influence
- Participating in local professional and community events and associations to develop and expand network of contacts
- Liaising and utilizing Bank product specialists to stay abreast of new enhancements, products and services, and to fulfil identified client needs
- Using strong knowledge of the Bank's streamlined products and services including simplified credit application, standardized and simplified products, standardized pricing and underwriting
- Liaising with the Shared Services Business Support Centre (BSC) for fulfilment (including documentation, liaising with third parties, security registration), compliance monitoring, reporting actions and all service activities as required
- Safeguards the Bank's assets and liabilities by maintaining the quality of assigned portfolio by
- Maintaining adherence to the Bank's Anti-Money Laundering program. Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures
- Manage an assigned credit portfolio for authorizations up to $3MM at an acceptable level of risk by
- Good networking and interpersonal skills
- Strong knowledge of Bank's commercial lending and deposit products and services, and customer profitability model, in order to provide integrated financial solutions
39
Commercial Relationship Manager Resume Examples & Samples
- Between 5-7 yrs commercial banking experience
- Background should include sales/client interfacing and commercial credit knowledge
- Ability to manage low to mid-range Middle Market Clients
- Knowledge of commercial banking products and services (both credit & non-credit), Santander Banks Credit policy and procedures, and commercial compliance regulations
40
Senior Commercial Relationship Manager Resume Examples & Samples
- MUST HAVE a bachelor degree in banking, finance or a related field
- MUST HAVE at least 7 years commercial lending or other directly related experience
- Advanced knowledge of commercial loans, credit analysis, lending, loan processing and closing processes
- MUST HAVE ability to expand commercial loans, client relationships and cross sell bank products
- MUST HAVE strong sales ability, including cross-selling products
- Solid experience in applicant interviewing and perceptive character judgment skills
- Ability to structure loans and monitor credit performance
- Strong interpersonal, communication and organizational skills
- MUST HAVE credit experience and marketing knowledge and a Book of Business (or strong ability to build one)
- Working knowledge of a software applications, including word processing and spreadsheets
- Managed a medium commercial portfolio
- NICE TO HAVE Ability to develop business
41
Senior Commercial Relationship Manager Resume Examples & Samples
- Monitors credit quality within assigned portfolios and takes action Identifies, evaluates, structures and documents commercial credit
- Works in collaboration with credit professionals to produce written support of new or renewing credit exposure
- Works with compliance, credit review and auditors to ensure credit extension is within policy and applicable laws and regulation
- Represents Santander in civic and community functions to further enhance the business
- 15+ years experience in Commercial banking
- Superior knowledge of commercial banking products and services (both credit & non-credit), Credit policy and procedures, and commercial compliance regulations
- Superior knowledge of financial analysis, risk evaluation, loan documentation and commercial loan structures
- Well recognized in assigned geographic market by the business community
- Deep understanding of capital structures and experience in senior debt structures
42
Commercial Relationship Manager Resume Examples & Samples
- Excellent analytical and comprehension skills to understand and interpret customer needs and economic environment to better price clients deals
- Strong formal presentation skills to gain acceptance to solutions, both internally (Risk) and externally (Clients)
- Strong selling and negotiation skills. External dealings with clients negotiating structure of the deal, pricing and requirements. Internal negotiations with Risk and Compliance on reaching the best solution for the Commercial client base
- Customer Oriented
- Selling Skills
- Product Knowledge
- Will be required to have an understanding of local, as well as, statutes that relate to role holders function. The most important of these will be central bank’s guidelines, Barclays Group office policies and procedures. Is likely to be personally responsible for compliance within function. Other statutes may include
- Products and services offered by other areas of the Barclays Group which are frequently used by Business Banking customers including features, tariff/pricing and availability
- The Bank’s service standards
- Money Laundering regulations
- Sound knowledge of account strategy and planning processes
- Sound track record of relationship management
- Proven networks within the Business banking field in Egypt
43
Commercial Relationship Manager Resume Examples & Samples
- Managing and developing full banking relationships with institutional real estate firms, owners and professionals across the Bank's footprint
- Specifically targeting professionals that specialize in office, industrial, retail and housing product types. We will consider other product types for diversification purposes with trusted relationships
- Offering a strong suite of credit and non-credit cross-sale products specifically designed for our real estate clients. We will proactively develop new products that will enable us to continually improve our offerings, profitability and client experience
- Identifying and pursing deposit relationships with commercial real estate-related companies, allowing CRE to provide a greater percentage of our core funding
- Continually focusing on the balance between business growth and risk management, focusing on meeting market challenges while being mindful stewards of the Bank’s capital
- Minimum 7 years' experience in commercial real estate lending and/or banking
- Proficient in underwriting and structuring debt facilities, legal documentation, loan closing and ongoing monitoring of active loan portfolio
- Experience with REITs and other institutional owners preferred but not required
44
Senior Commercial Relationship Manager Resume Examples & Samples
- Cross sell all bank products; directs the coordination of product partners in the attainment of business plans
- Marshalls all product disciplines as primary owner of relationship
- At least 15 years experience including sales/client interfacing and commercial credit knowledge
45
Commercial Relationship Manager Resume Examples & Samples
- Recommend structure, terms, and rate for loans being underwritten
- Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals
- Evaluate risk to meet profitability standards
- The President of Community Banking will have discretion regarding participant entrance and eligibility to the plan
- Each CRM must achieve a target level of outstanding portfolio balance plus production of $30 million (combination of both) from the previous calendar year
- New CRMs may be allowed to enter the plan provided their annualized production and portfolio are expected to reach the $30 million within 3 years
- Once in the CRM plan, each CRM must achieve 50% of their individual goals for eligible quarterly payout
46
Commercial Relationship Manager Resume Examples & Samples
- Cross sells all bank products, direct the coordination of product partners in the attainment of business plans
- Represents Santander in civic and community functions to further enhance
- At least 15 years of commercial banking experience, including sales/client interfacing and commercial credit knowledge
- Superior knowledge of commercial banking products and services (both credit & non-credit), and commercial compliance regulations
- Masters degree preferred
47
Commercial Relationship Manager Resume Examples & Samples
- Conducts meetings with customers and prospects in order to understand their international payment flows and determine potential to add value. Builds trust and collaborates with commercial/corporate/private relationship managers, treasury management sales officers, and market/segment leadership in order to identify high value prospects and support existing client relationships across the Eastern United States
- Acts as a financial advisor by educating clients and prospects on international payment options, explaining associated credit and foreign exchange risks; and methods to mitigate such risks
- Collaborates with correspondent banking group and FTN Financial in order to identify opportunities and develop sales of international services to downstream correspondent banks
- Collaborates with international sales management and internal operations groups to ensure feasibility of our supporting client/prospect business needs and develops/delivers sales materials and proposals
- Participate in periodic sales, credit and international operations meetings. Inputs sales calls and pipeline information into Salesforce (sales system). Submits expense reports
- Builds relationships and collaborates with local, regional, state and federal government export development entities in order (1) to build referral networks and (2) develop opportunities to participate in international business seminars which can help identify prospects and build the FTB brand
- 6-8 years of experience selling foreign exchange or trade services
48
VP, Commercial Relationship Manager Resume Examples & Samples
- Customer Service: Provides excellent customer service and has demonstrated success in retaining and expanding existing relationships. Serves as a trusted advisor to customers
- New Business Development: Demonstrated success in developing new business. Has established and well-developed Centers of Influence
- Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties
- Strong loan structuring and negotiation skills
- Able to effectively present to senior levels of the organization
- Demonstrated ability to work as a member of a team
49
Senior Real Estate Commercial Relationship Manager Resume Examples & Samples
- Manages a large commercial portfolio with more complex and or high profile relationships. Provide annual client relationship reviews to identify additional loan, deposit or other financial service opportunities. Work with team members and Senior Management to assist with the administration and relationship management of larger relationships and commercial credits. Utilize the Bank proposal system to provide value added options to clients. Facilitate prompt, courteous and satisfactory problem resolution. Take proactive, appropriate measures to retain loan and deposit balances, when desirable. Foster a collaborative Team approach with Fulton Partners and Retail RM’s to enhance client relationships. Exemplify the delivery of a superior customer experience. Participate in joint calling efforts for existing and prospective customers with Retail Relationship Managers, Fulton Partners and Senior Management
- Identify, source and develop prospective customers with lending, deposit and other financial service needs. Utilize Bank proposal system to share the Fulton Financial Corporation story and showcase the bank’s products, services and employees. Identify new loan, deposit and other financial service opportunities within existing client base during regular client meetings. Ability to source a credit opportunity, negotiate mutually agreeable terms, navigate the credit underwriting and approval process, document the loan and execute the closing. Develop strategies to attract and retain high value Centers of Influence including Attorneys, Accountants, Community Leaders, Chamber of Commerce, EDC’s, Realtors, Insurance Agents, Title Companies. Create value add experiences for clients and prospective clients. Entertain clients, prospective clients and COI’s in an acceptable manner that builds rapport, trust and creditability.. Active participation in sales oriented meetings and functions with colleagues, Fulton Partners and Senior Management
- Ensure credit review and risk rating practices are continuous, complete and accurate.. Gather and review all required financial and related company, industry, management data to monitor ongoing credit worthiness and risk rating accuracy. Monitor management reports to address line reaffirmations, loan maturities, delinquencies, exceptions, in a timely and efficient manner. Participate in loan committees when required as a Permanent member, Alternate member or presenter. Establish action plans for troubled credits and or work with Special Assets Department to resolve problem loans in an efficient manner to protect the bank’s investment. Timely and proactive management of loan databases, Watch list reports, Asset Quality reporting as directed by Senior Management. Timely resolution to loan documentation and technical exceptions. Compliant with all regulatory and bank risk compliance matters Community Reinvestment Act, Fair Lending, Bank Secrecy Act, Regulation B, Regulation O, Regulation Z
- 10+ years of Commercial Banking experience in Real Estate (Required)
50
Commercial Relationship Manager Resume Examples & Samples
- Calls on current or potential customers; investigates customer needs for commercial products and services; develops sales proposals; introduces customers to other departments for cross-sell opportunities; negotiates with customers on pricing, etc. with senior officer guidance; develops fee income from credit and deposit services; finalizes and closes deals with senior officer assistance
- Builds and maintains a portfolio mix of targeted high value and high potential clients
- Acts as a financial advisor by educating the customer about financial strategies (e.g. financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value
- May assist International Operations manager with the daily activities of the department and specialize in Letters of Credit
51
Commercial Relationship Manager Resume Examples & Samples
- Customer Needs and Cross Sell: Identifies and understands customer needs. Demonstrates solid knowledge of banking products and services. Makes proactive recommendations and cross sells bank products. Has a good working relationship with all product partners
- Credit/Analytic Skills: Solid analytical skills with demonstrated ability to assess financial performance and risk on more complex deals including identifying ways to mitigate risk to the bank. Establishes a strong working relationship with Credit Partners to insure ongoing credit quality of portfolio. Proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements
- Deal Structuring/Negotiation: Able to structure most deals with minimal guidance. Ability to recommend covenant structure and thresholds for all deals. Has demonstrated solid negotiating skills. Able to review loan documentation and close loans with terms and conditions consistent with approvals
- Portfolio Management: Has good working relationship with Commercial Loan Administrators and Credit Partners to ensure proper management of portfolio including financial reporting, exception resolution, annual reviews and file memos
- 7+ years of Commercial Banking and/or related experience
- Demonstrated ability to act as a mentor to junior RMs
52
Senior Commercial Relationship Manager Resume Examples & Samples
- Manage a delegated portfolio of both commercial and real estate loans that includes; customer relationship building, mining and expanding the full relationships within the greater Carmel Valley & San Diego areas
- Evaluate loan and treasury requests across several industries and syndications while working with specialized bank partners within several product categories
- Acquire and manage commercial loans, commercial real estate loans and bank services
- Demonstrate a clear understanding of overall portfolio risk management
- Propose loan and treasury services to current and prospective clients
- Assist our commercial analyst team with negotiated loan structure to meet the needs of clients and bank policy
53
Commercial Relationship Manager Resume Examples & Samples
- Manage independently a client portfolio for the bank
- Work with the Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations
- Independently able to structure loans (term, covenants, collateral, guarantys, etc.) which appropriately protects the bank
- Independently able to recognize client needs and matching the bank's capabilities to meet these needs
- Negotiate independently with clients on loan structure, pricing, and other product/services
54
Commercial Relationship Manager Resume Examples & Samples
- Maintain and develop client relationships, exploring opportunities to provide additional credit and non-credit services. Seek to become trusted advisor through regular client contact and relationship building
- Serve as Client’s primary internal resource as it relates to relationship and credit needs
- Identify product/service opportunities for other business units and participates in development of creative solutions to client needs, coordinates presentations, and brings in partners when appropriate
- Interact with other team members (Group Portfolio Manager, Market Lead and Credit) to achieve ultimate approval for new business and modifications to existing business, including active participation in and adherence to requirements of Fit Assessment & Deal Screen meetings
- Ensure consistency in deal structuring to bridge client needs to appropriate risk mitigation through detailed analysis and underwriting of credit
- Present deals at Loan Committee and any necessary pre-meetings
- Coordinate all meetings with the client, including any collateral site visits
- Collaborate with Market Leader as part of a team to ensure delivery of top-notch client service
- Complete necessary analysis and documentation to achieve credit actions related to RM’s existing portfolio (e.g., structure, waivers, and modifications)
- Complete portfolio responsibilities including portfolio reviews, renewals, reporting in a timely manner (quarterly and annually), 5, Shared National Credit, CAMP, etc for credits in his/her portfolio. Serve as resource for Group Portfolio Manager in preparation for portfolio review meetings and will actively communicate knowledge of the risk points within portfolio
55
Senior Commercial Relationship Manager Resume Examples & Samples
- Generate and service a wide variety of commercial loans, including the most complex, large, difficult and sensitive credits focusing primarily in the middle market acquisition and debt recapitalization markets
- Aggressively seek and obtain quality new business through client and prospect calls, referrals, and cross selling efforts
- Use your skills and experience in applicant interviewing and perceptive character judgment, loan structuring, credit analysis, and monitoring credit performance
- Building and maintain relationships, with a resulting high degree of customer satisfaction
- May be asked to perform other duties
56
Commercial Relationship Manager Resume Examples & Samples
- Manage sales process, set call and sales goals, and coach Commercial Relationship Managers in all relationship development efforts
- Provide advice, coaching and guidance to team members on Commercial banking practices and procedures
- Ensure adherence to policies and procedures
- Perform general management duties, exercising usual authority concerning staff, performance appraisals, promotions and terminations
57
Commercial Relationship Manager Resume Examples & Samples
- Monitors and manages existing credit relationships which includes note renewals, reviewing and detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring; compiles reports necessary to monitor asset and credit quality and compliance with policy/regulation
- Develops new business through identifying and calling on existing or prospective customers; promotes and cross-sell Bank’s services; works with Bank operation areas to ensure that quality service is provided
- Negotiates loan proposals; analyzes and evaluates credit requests and writes loan commitments; recommends appropriate credit grade; makes oral presentation to loan committee; implements approval or declination action
- Facilitates resolution of operational problems for customer across divisional lines
- Serves as the primary linkage for all financial services to the individual client with the Bank (i.e., Treasury Services, International, Trust, and Cash Vault)
- Researches overdrafts and outgoing wire transfers and determines appropriate action; implements approval or denial action
- Participates in community and professional activities in order to enhance Bank’s image and expand personal network of business contacts for development of new business
- Extensive knowledge and understanding of commercial lending practices and loan documentation, and loan servicing requirements
58
Commercial Relationship Manager Resume Examples & Samples
- Negotiates loan proposals with customers; analyzes and evaluates credit requests and writes loan commitments; recommends appropriate credit grade; makes oral presentation to loan committee; implements approval or declination action
- Ensures researching and curing collateral exceptions are performed and in compliance with lending policies and guidelines; contacts customers about past due accounts
- Advanced knowledge and understanding of commercial lending practices and loan documentation, and loan servicing requirements
- Advanced knowledge of accounting principles and practices
