Commercial Lending Officer III

The Relationship Manager is responsible for developing and managing commercial banking relationships to maximize profitability to the bank with acceptable risk; through relationship management, credit management, and business development.

Responsibilities:

Relationship Management

• Manages the largest and most complex relationships that require in depth analysis

• Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions

• Ensures integrity and timeliness of customer information, documentation, and data

• Ensures each relationship is profitable and represents appropriate risk

• Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues

• Mentors junior staff and helps to manage workflow within the team

Credit Management

• For new loan requests, assess borrower credit-worthiness in accordance with credit policy

• Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned

• Ensure that loans are documented in accordance with credit approvals

• Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activity

Business Development

• Maintain expert knowledge of commercial banking products & services

• Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities

• Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management

• Provide existing and prospective customers with appropriate financial services and advice

• Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations.

• Maintain a pipeline of business leaders and prospects

Qualifications:

Education Requirements

• Bachelor’s degree

Minimum Experience

• Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager

• Minimum 4 years of experience as a relationship manager

• Expert understanding of treasury management services and other banking products

Knowledge/ Skills/ Abilities

• Expert accounting & finance knowledge

• Exceptional technical skills

• Expert knowledge of laws and regulations, and compliance related to commercial lending

• Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value

• Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills

• Ability to work in a team environment and demonstrate flexibility as business dictates

• Ability & willingness to investigate, resolve, and recommend process improvement opportunities

• Ability to effectively plan, manage, and delegate to others

Job Details:

Regular

In accordance with Colorado law: Colorado pay for this position is anticipated to be between $98,500.00 - $182,500.00 annually, actual offers to be determined based on applicant’s skills, experience and education.