Job Description

Position Overview:

The Corporate Banking Relationship Manager IV is responsible for maximizing wallet share and product penetration. This role will focus on promoting and cross-selling products and services with the goal of servicing, maintaining, and developing new client relationships, increasing bank revenues, and identifying current and potential business opportunities for the Bank.

Key Responsibilities:

• Develop and manage a portfolio of high-quality, complex corporate relationships.
• Demonstrate experience in handling a variety of complex commercial loans, including Asset-Based Loans (ABL), local participations (purchased and sold), insured receivables financing, EX-IM and other foreign risk mitigation, owner-occupied real estate loans, and commercial loans for companies generating over $30MM in revenue.
• Cross-sell additional bank products to maximize customer relationships and enhance the customer experience.
• Focus on increasing the Share of Wallet of each customer to retain and engage them, increasing their lifetime value.
• Actively participate in an outside calling program and networking events to promote the bank’s image as an active commercial lender and develop new business relationships.
• Refer business opportunities to other business units within the bank.
• Follow up and resolve outstanding exceptions related to loan processes.
• Use prudent judgment in authorizing overdrafts and uncollected funds.
• Prepare and deliver presentations to senior management and loan committees.
• Maintain active contact with clients, ensuring at least quarterly meetings at their place of business.
• Keep current credit files in collaboration with credit services, ensuring contact memoranda are up-to-date and documenting the client’s current status.
• Support the bank’s CRA lending efforts and participate as a board member in a non-profit organization.
• Assist junior officers with the analysis and evaluation of credit relationships.
• Prepare loan committee presentations and communicate the approval or denial of credit requests to customers and prospects.
• Monitor clients' depository activity to ensure compliance with BSA (Bank Secrecy Act).
• Ensure all preventive measures are followed to comply with current rules, regulations, and internal policies regarding risks associated with BSA, the USA Patriot Act, OFAC, and other AML (Anti-Money Laundering) issues.
• Identify, evaluate, monitor, and make recommendations to the Risk Management Committee to assess, reduce, eliminate, or control any risks to earnings or capital arising from violations of laws, regulations, policies, or ethical standards.

Minimum Education and/or Certification Requirements:

• Bachelor's degree in Business Administration, Banking, Finance, or Accounting.

Minimum Work Experience Requirements:

• 10+ years of experience as a commercial lending officer, managing complex and diversified lending relationships.
• Required experience in asset-based lending and trade-related lending.
• Proven track record of successful business development.

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