- Sales Experience
- Financial Statement Preparation
We are looking for Relationship Managers who do things differently, who will go the extra mile to make sure our clients have the best chance of succeeding. Our ideal banker is someone who wants to be more than just a banker. They want to be a valued partner to some of the most innovative businesses in the country. We provide uniquely flexible financing solutions to companies in a wide variety lines of business.
As Relationship Manager in Capital Finance you are responsible for managing a moderate to complex asset-based and factoring loan portfolio. Additional responsibilities include making sure that client’s needs are met, and always being on the lookout for how we can do things better. Analyzing financial data to make sure that the client is within their covenants and identifying when a conversation needs to take place.
Source prospects and develop new customer relationships
Interview loan applicants to develop information concerning their business needs, collateral and revenue model to determine credit risk
Analyze creditworthiness, structure and negotiate loan transactions, prepare loan proposals, and present credits to the loan committee for approval
With assistance of credit analysts, prepare credit write-ups which are complete and adhere to Bank standards
Maintain an effective calling program on customers, prospects and referral sources
Identify cross-sell opportunities and make appropriate referrals
Complete understanding of internal Bank departments/process in order to complete banking functions
Accept special projects in support of the team and community involvement
3-7+ years Banking/Accounting/Finance experience required with emphasis on commercial or asset-based lending
Understand and follow BSA/AML/OFAC policy and procedures as applicable to job function and promptly report suspicious activity when identified
Proficient in Microsoft Office with particular skills in Excel, ITI, One Point, etc
Minimum of BS/BA in Business, Finance, Accounting or comparable degree.
Clear understanding of financial statement analysis and strong accounting skills
Ability to make daily credit decisions
Strong credit authorization skills
Strong written and verbal communication skills, interpersonal skills, negotiating and problem solving skills
Previous relationship management and business development/sales skills are required
Understand loan documentation including funding requests, Business Finance Agreements, UCC perfection, etc.
Excellent client service skills.