Commercial Real Estate Relationship Manager I/II

The purpose of this job is to use commercial lending skills to provide practical application in the areas of portfolio management, preparation of loan packages, property inspections, relationship development and other duties as needed in such a way as to contribute to the overall achievement of departmental goals.Determination of data required for loan packagesPortfolio management decisions within credit authorityLoan pricing decisions within authorityDetermine which customers are potential candidates for expanded services and identify qualified prospectsPractice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as neededPractice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goalsProvide high level of customer service to existing clients in order to build relationships, to expand development of business and to identify and create cross sell opportunities for other product linesMaintains professional community relations to increase the bank’s visibility and new business opportunities, and to further personal development.Level II additional responsibilities:Portfolio management and pricing decisions within credit authorityRecommendations for credit approval to Senior Loan CommitteeCross-selling referralsBusiness development strategies, including prospect list developmentRecommend promotional sponsorships to senior managementMaximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts. Actively participates in business development activities for the purpose of attracting additional profitable business for the bank.Provides guidance to less experienced relationship managers.Maintains professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal development.Cross-sell additional products and services to existing customer base and asks for referralsBachelor’s degree in business, finance, accounting, related field, or equivalent experienceMinimum of three years proven and progressive commercial lending/credit experience or equivalentExperience with real estate or commercial lending risk analysisDeveloped understanding of lending and credit approval process as well as pertinent bank policies and external regulationsPractical working knowledge of sales principlesDetailed knowledge of credit analysis practice and procedureFamiliarity with products and services offered by financial services institutionsEffective oral and written communication skillsExcellent interpersonal skillsDeveloped decision making and persuasion skillsProven ability to build relationshipsTime management/organization skillsComputer skills to include word processing and spreadsheet applicationCustomer contact and sales and service skillsLevel II additional qualifications:Bachelor’s degree in business, finance, accounting, related field, or equivalent experienceMinimum 5 years of progressively increasing commercial lending experienceKnowledge of pricing models as it relates to profitability of lending unitFully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulationsKnowledge of sales principlesDetailed knowledge of credit analysis practice and procedureIn-depth knowledge of products and services offered by financial services institutionsStrong analysis, judgment, and communication (oral and written) skillsShould possess excellent negotiation and problem-solving skills Ability to present loan commitments to executive management of customers should be attained prior to this levelMust possess a high level of analytical skillsMust possess effective interpersonal skillsAbility to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrowerMotivation and initiative are essentialPhysical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

Created: 2025-12-08