RESPONSIBILITIES:
JOB
PURPOSE: Leads effort to meet the local team loan, deposit
& asset quality goals with accountability for overall balance
sheet production & profitability. Acts as banking specialist on
all Wealth Management (WM) loan & deposit products. Assesses,
decisions, approves credit requests & acts as liaison with client
on banking needs. Recommends & approves pricing & provides
expertise in depository products to ensure maximum profitability.
Provides credit approval within own consumer & commercial credit
authority.
ESSENTIAL
FUNCTIONS: UNDERWRITING, PORTFOLIO MANAGEMENT, RISK MANAGEMENT--Leads
credit process for large dollar or complex commercial credit requests
& appropriately channels transactions to Affluent Credit Solutions,
Business Credit Solutions, Leasing, Specialty Finance or Mortgage
Direct. Conducts & ensures accurate, complete due diligence. Prepares
term sheets & completes negotiations to ensure excellent responsiveness.
Utilizes approval authority to facilitate timely, marketable responses
to the largest & most complex customer credit requests. Participates
in prospect or client call with or without the Relationship Manager
(RM). Assists in relationship plan development & leads banking
plan development. Understands & maintains a thorough knowledge
of WM credit policies & credit culture while staying abreast of
all policy changes, compliance [commercial & consumer] requirements
& loan approval system changes &/or enhancements. Ensures
acceptable levels of asset quality, regulatory compliance & process
adherence to meet AQ and RAI goals.
AFFLUENT
CLIENT DEVELOPMENT--Identifies deposit & credit opportunities
working through the RM. Works directly with WM Products Team to ensure
deposit revenue is maximized. Maintains a strong working knowledge
of depository & credit products & strategies available within
& matches to client needs. Solid insight & knowledge of market
pricing & competitors to increase portfolio spread on depository
products & loans. Active participation/leadership in client calls
& client assessment meetings. Maintains a working knowledge of
new financial products/strategies available within & leverages
it for client solutions. Accountable for excellent client satisfaction
scores.
LEADERSHIP--Provides
coaching & leadership to RMs and Regional Directors (RDs) on all
banking products. Accepts personal accountability when making decisions.
Demonstrates & maintains high standards of personal & professional
behavior. Collaborates & coordinates with ACS Solutions to ensure
efficient deal flow & client satisfaction. Ensures excellent communication/coordination
with RMs & RDs. Participates & leads special projects, committees
& focus groups. Exhibits product specialist leadership in depository
campaigns. Provides high quality client service to internal &
external clients. Travel within region will be required.
REQUIREMENTS:10
years of commercial lending/analytical or related experience in commercial
lending underwriting, portfolio management. Thorough knowledge of
financial accounting theory and logic, loan structuring, commercial
products and services. Strong interpersonal skills and communication
skills. Ability to interpret and discuss analytical data. Must have
the ability to work well as a team member; ability to juggle several
tasks and prioritize. Proficient with computers and software applications
[MSA, MS Excel, MS Word, other MS Office Suite applications, etc.]
and applicable mainframe systems. Some travel will be required. Undergraduate
degree required graduate degree preferred. Completion of a formal
commercial credit training program preferred. Minimum of two years
in Wealth Management Credit while performing at an exceeds expectation
level.
Tags: Admin
& Clerical : Banking
Jobs : Financial
Services Jobs
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