Manages a territory and a commercial banking portfolio of assigned companies within a defined market. Develops new business relationships for the Bank. Determines needs, provides products and services and negotiates and structures commercial loans. Performs any functions within scope of authority and expertise to provide the highest level of service and responsiveness to customers and co-workers.

• Manages the quality and profitability and assesses risk of a commercial banking portfolio. Assesses banking needs of customers, determines appropriate product/service solutions, and insures delivery. Negotiates and structures commercial loans and insures that loans are properly documented and closed. Manages sophisticated commercial relationships requiring a high level of technical and financial expertise. Acts in an advisory capacity with respect to commercial customers’ financial and operational needs.
• Delivers commercial banking products and services within an assigned market. Manages and develops commercial business market. Maintains reputation of the Bank with customers, prospects, referral sources, and community-based organizations. Provides commercial banking support to assigned branches and works with staff on cross-divisional issues.
  
  · Develops new business relationships. Identifies qualified potential customers and initiates business development efforts to establish a banking relationship. Determines product/service solutions, including commercial loans, selling, negotiating and closing such products and services, or referring the opportunity to the appropriate department. Builds and nurtures productive outside referral sources.
• Approves and manages credit exposures within assigned authority. Determines information required to affect a credit analysis and insures receipt of information. Works with the Credit Department to insure high quality credit analysis and risk assessment are developed. Presents credits for approval above assigned authority. Ensures that all appropriate information is delivered to Loan Servicing, the Credit Department, or other administrative units. Ensures that record keeping is accurate and current.
• Performs all duties in accordance with prescribed regulatory compliance guidelines. Ensures all commercial loan relationships are in full compliance with applicable federal and state laws and regulatory guidelines are in compliance with Bank policies. Recommends changes to support prescribed requirements. Ensures full compliance with the Bank's Information Security Policies and Procedures
• Develops and nurtures referral sources and serves as a liaison to assigned branches in support of their commercial banking activities.
• Keeps abreast of appropriate laws and regulations affecting commercial banking in general and the extension of commercial credit in particular. Attends relevant courses and seminars to build expertise as necessary.
• Represents the Bank through active participation in community and industry organizations and events and promotes the business interests of the Bank. Refers sales opportunities to other departments or Bank affiliates in support of established objectives.
• Performs other duties as may be required.

• Bachelor’s Degree or its equivalent plus specialized training in lending, credit or related subjects.
• At least eight years of progressively responsible commercial business lending and commercial mortgage lending experience required 
• Demonstrated ability to cross-sell and manage a portfolio.
• Able to analyze financial statements.
• Effective sales, analytical, managerial, organizational, business development, presentation, problem-solving, negotiation and customer service skills.
• Must possess at least intermediate technology skills, including knowledge of word processing, database and spreadsheet applications.
• Must be able to travel throughout defined market.
  
  Equal Opportunity Employer
  
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