Relationship Manager II - Northwest Bank of Rockford

Organization Overview:

Northwest Bank opened its first office in Rockford in 1972. Our founders had a vision of providing the Rockford area with community banking services that customers could depend on. Northwest Bank of Rockford is a subsidiary bank of Foresight Financial Group, Inc.

To be a successful Team Member an individual should contribute to and promote the organization’s culture by championing the organization’s goals and mission to be a high performance community bank. A commitment to the organization’s shared values of Respect, Enthusiasm, Caring, Integrity, Teamwork, and Expertise is apparent in everyday actions, communication, and decision making process, and the Team Member actively contributes to creating a positive working environment for all Team Members.

Position Summary:

Responsible for the origination and relationship management of a sound and growing loan and deposit portfolio that will provide maximum profitability to the bank with a minimum of risk. This high contact position requires the ability to initiate and develop prospective and current client relationships through a proactive and professional sales approach. Experienced loan officer who has the ability to handle complex commercial loan Customers.

Primary Responsibilities:

1. Applies product and service knowledge to effectively meet customer and/or prospect banking needs.
2. Solicits and develops new loan and deposit business to meet or exceed annual production goals.
3. Collects and analyzes financial data of moderate and complex customers and/or prospects to determine credit worthiness and develop an appropriate loan structure.
4. Determines approval or rejection of loan applications in accordance with bank policy and communicate same to applicant.
5. Negotiates terms including costs, collateral requirements, repayment methods and rates to successfully obtain new business and retain existing customers.
6. Monitors loan repayment and assist in collection or coordination of payments to minimize delinquency and meet bank standards.
7. Conducts periodic customer meetings to enhance customer retention and assist with the annual review process.
8. Maintains professional communication and conduct with all clients, prospects and associates.
9. Cross sells additional bank services, making recommendations for customer consideration and referring leads to Consumer, Investment, and Mortgage Sales Associates.
10. Uses all available resources to provide value-added advice and/or recommendations for the potential improvement of customer’s business operations, productivity, etc., as appropriate.
11. Meets and/or exceeds all individual sales goals, while assisting the Business Banking Team in accomplishing its Strategic Business Plan and Budget.
12. Maintains and promotes a superior level of professional customer service and Team Member relations at all times. Proactively provides solutions and resolves customer concerns and requests.
13. Actively participates in community organizations and events to increase the bank’s visibility and image in order to build a solid referral network.
14. Participates in professional organizations to enhance further personal development.
15. Undertakes special projects and/or assignments relating to the Business Banking Group and the bank.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Competencies:

To perform the job successfully, an individual should demonstrate the following competencies. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Business Acumen/Financial Management: Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Business Development: Utilizes networking, product and industry knowledge and customer service skills to achieve and exceed approved budget; proactively initiates new contacts; Uses persistence and persuasion to overcome objections; Upholds highest level of customer satisfaction; Maintains accurate records and submits needed information promptly.

Communicator: Superior interpersonal and project management skills, oral and written communication and ability to anticipate and guide the impact of effective internal and external communication strategies on the organization.

Judgement and Problem Solving: Superior analytical and management skills and the ability to objectively ascertain solutions focused on organizational success.

Technical: Fluency in Jack Henry, loan platform systems or similar financial industry technology, Microsoft Office (Word, Excel and PowerPoint). Knowledge of banking products, services, policies, procedures and regulations.

Position Performance Standards:

Meets annual new business development goals

Maintains loan quality standards for business loan portfolios

Performance Weightings:

30% Competencies

70% Position Performance Standards and Personal Goals

Culture:

To be a successful Team Member an individual should contribute to and promote the organization’s culture:

• Champions organization’s goals and mission to be a high performance community bank.
• Commitment to the organization’s shared values of Respect, Enthusiasm, Caring, Integrity, Teamwork, and Expertise are apparent in everyday actions, communication, and decision making process.
• Advocates shared values to create a positive working environment for all Team Members.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor’s Degree in Business relate field. Minimum 5 years related experience and/or training; or equivalent combination of education and experience. Possess valid driver’s license, reliable transportation and adequate auto insurance.

Physical Demands and Work Environment:

This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, copy machines, filing cabinets and fax machines. The physical demands described here are representative of those that must be met by a Team Member to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position requires manual dexterity. While performing the duties of this Job, the Team Member is regularly required to sit or stand for extended periods of time.