Job Description

Location to be determined based on candidate and business need

As the Commercial Relationship Manager, you serve as the key banking advisor for commercial client relationships. You love working with business line partners to expand existing relationships and prospecting new business. You engage with clients for a holistic approach to their financial needs, and provide customized banking insights and solutions. You coordinate team members in analysis and execution for the effective delivery of products and services to clients and prospects. You have a keen ability to identify loan, deposit, and core banking products and services that benefit the client. In addition to your commitment to civic engagement and leadership, you are a champion for all things CBMW -- and embrace our quest to be the Brand of Choice in every community we serve.

Individual Commercial Loan Growth

• Identify, attract and win new commercial relationships to grow the Bank\'s market share
• Serve as a trusted advisor to the largest and most complex clients, functions as the Commercial Banking client "expert" in providing differentiating consult, ideas, and options
• Champion and lead business development efforts by developing a clear and holistic understanding of the client\'s or prospect\'s business and industry
• Viewed by the client as a business strategist and shares a skilled financial perspective. Performs client reviews to ensure the bank provides relevant solutions as clients grow and adapt
• Provide the client with deep knowledge in key product areas
• Achieve individual production goals for loans, deposits and core fee income, to support the bank in achieving its overall financial targets
• Develop focused strategies for acquiring, retaining and growing select clients
• Maintain active prospecting effort and pipeline for consistent production
• Anticipate and overcomes obstacles to ensure positive client experience and speed to market
• Considers economic and industry situations relating to new or existing business as part of prudent business development and portfolio management

Credit Analysis/Decisioning

• Underwrites new and renewing C&I and CRE credit requests
• Experienced in interpreting and analyzing various types of financial statements to gauge financial strength
• Proficient in tools used in daily activities including Outlook, Word, Excel, Precision Lender, CASH, Salesforce, Internet and Adobe
• Analyze business, industry, financial data and other supporting credit information
• Identifies key business and financial risks that may impact the repayment prospects by the borrower
• Prepare timely, concise and accurate credit recommendations with limited supervision
• Monitor borrower financial performance in line with commercial and/or real estate loan documents and CBMW credit policy
• Spreads and/or ensures required financial statements are spread consistent with bank guidelines
• Collaborates with Commercial Support Team to ensure borrower notifications are sent and approvals are obtained to resolve any exceptions in a timely manner

Credit Risk/Asset Quality

• Participates in assessing risk and all credit processes which ensure sound asset quality, including underwriting, structuring and portfolio management activities to assure accurate portfolio risk assessment to help ensure prudent decisions are made
• Willingness to learn and adhere to bank\'s risk-rating system, credit and underwriting policies
• Working knowledge with structuring credit products to diverse industries with varying complexity
• Follows all Bank policies and procedures, compliance regulations, and completes all required training
• Maintain a working knowledge of Bank\'s written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description

Collaboration with Business Line Partners

• Actively learns, demonstrates, and fosters the CBMW corporate culture
• Embraces our vision to become "The Brand of Choice"
• Collaborates with business line partners to quickly respond to customer requests and identified needs and creatively present all applicable credit and non-credit solutions
• Develops and maximizes established referral network
• Proactively prospects for new clients and identifies ways to expand existing relationships in collaboration with internal partners
• Extensive knowledge of bank products
• Partners with Retail, Business Solutions, Trust and other internal partners to earn full client relationship

Requirements

About You

• Authentic
• Engaged
• Self-motivated and entrepreneurial
• Energetic and highly driven
• Passionate about serving others
• Innovative and forward-thinking
• Takes personal initiative and is a positive example for others to emulate
• Driven to bring value to the end customer by serving fellow associates and the CBMW team

Qualifications

• Bachelor\'s Degree in finance, business, accounting or related field, or equivalent experience
• 15+ years banking experience and/or demonstrated production in the commercial industry
• 10+ years of commercial underwriting/credit analysis experience or relevant lending experience
• Experience in various types of lending desirable including Agricultural, Construction, C&I, CRE, TRID, Charitable/Religious, Non-Profit, Tax-Exempt
• Working knowledge of credit enhancements including interest rate swaps, tax credits, SBA/FSA/USDA and other guarantee programs
• Strong credit acumen and skills including accounting, financial statement and cash flow analysis
• Proven track record of success in developing new business and building a quality network resulting in a strong, growing portfolio with minimal exceptions and above average credit quality
• Ability to negotiate/collaborate with Senior Credit Team on credit terms and structures

Competencies

• Relationship Building - Ability to develop and build strong relationships with clients and internal stakeholders.
• Ability to influence others through informal leadership
• Communication -- Strong ability to effectively communicate (oral and written) with multiple levels of the organization (internally and externally)
• Problem Solving -- Ability to identify a problems root cause and drive to resolution. Willingness to escalate where appropriate and ensure follow through
• Business Acumen-Strong understanding of the banking industry and business environment both internally and externally

Physical Demands

• The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
• Regularly required to sit; stand; walk; talk; see and hear. Regularly required to use hands to handle or feel objects, tools, or controls and reach with hands and arms. Occasionally required to stoop, kneel, or crouch
• Regular travel across Retail footprint required. Frequently lift and/or move up to 25 pounds
• Occasionally lift and/or move up to 50 pounds. Specific vision abilities include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus

Position Type

Full Time - Regular

Company

Central Bank of the Midwest

Department

Commercial Lending-014101

All Work Locations

North Oak McGee

Work Hours

Monday - Friday 8:00am - 5:00pm with flexibility to adjust schedule to align with business needs

Standard Hours

40

Area of Interest

Commercial Loans

Work Location Options

In-Office

Central Bank