Senior Commercial Relationship Manager II (Chicago) - R7640-2567 - First Financial Bank

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The Relationship Manager ("RM") will handle multi-faceted
relationships as you call on prospective and existing clients to
generate loans, deposits, and fees for a geographic area. The RM will
determine credit eligibility, prepare loan narratives, ensure loans meet
appropriate criteria, and effectively cross-sell a wide variety of
products. Responsibilities include marketing products and services,
including preparing for client calls, making sales calls, and call
follow-up as well as monitoring and enhancing profitability on all
assigned relationships. The Relationship Manager participates in the
achievement of corporate sales and service goals to build customer
(external/internal) relationships and enhance shareholder value. The
position will generally be located in a market hub or other high
business potential.
Essential Functions/Responsibilities
- Develops new and expands existing client relationships by initiating
business development activities, proactively reviewing client's
current and changing financial needs, and cross selling products and
services.
- Grows and maintains a profitable book of business (loans and
deposits) to achieve individual and market goals.
- Develops a comprehensive understanding of client's needs based on
the review and analysis of personal and financial data.
- Qualifies prospects by collecting and analyzing financial and
related data in order to determine the general credit worthiness of
the prospect and the merits of the specific loan requests.
- Prepares and oversees the completion of the loan approval
requirements including careful underwriting of the loan so that the
structure meets the needs of the borrower and the bank. Obtains
appropriate approval for credit under consideration.
- Recommends and negotiates the terms under which the credit will be
extended to include pricing fees, costs repayment method and
schedule, collateral requirements, etc.
- Responsible for portfolio management including monitoring credit
quality which includes past due credits, non-performing and credit
exceptions, covenant compliance and credit exceptions of their
active portfolio.
- Actively participates and represents First Financial Bank in various
community, civic and professional organizations.
- Refers loans to loan committee for approval.
- Responsible for understanding clients' financial goals, provide
credible advice and recommend products that fit their holistic
needs. Intimately understand clients' business priorities and refer
them to other lines of business as appropriate.
- Collaborates with Bankers, Financial Center Managers, Retail
Leaders, Credit/Underwriting, Loan Processing and Documentation
teams and Bank senior management.
- Participates in all bank marketing and sales promotions, contributes
to initiatives and programs designed to promote organization's
strategic priorities, complies with all bank, loan and regulatory
guidelines and policies.
Minimum Knowledge, Skills, and Abilities Needed to Perform Essential
Functions of the Job
- Bachelor's degree.
- Ten (10) years of proven relationship/account management experience
selling banking products in the appropriate segmentation required.
- Excellent interpersonal, written and verbal communication and
presentation skills.
- Excellent organizational skills and ability to handle and prioritize
multiple tasks.
- Well-developed analytical and problem-s lving skills.
- Ability to generate new business through a consultative sales
approach.
- Demonstrated sales and negotiating experience. Marketing oriented.
- Ability to work effectively with individuals and groups in managing
customer relationships.
- Well versed in product knowledge.
- Credit training, credit quality and underwriting experience;
including financial analysis.
Preferred Knowledge and Skills
- Demonstrated experience working in Capital Markets and/or within the
Middle Market space ($75MM+).
- Experience in Structured Finance, Asset Based Lending (ABL), ESOP,
and/or leading syndicated transactions.
Level of Complexity and Scope
- Strong sales ability and relationship management skills.
- Ability to compile, analyze and act upon widely diverse points of
view and exceptional skill at gaining agreement on issues of the
highest level of importance
Degree of Independence and Decision-Making
Works with limited supervision.
Collaborates with senior managers / leaders across the organization.
Authority and freedom to act independently and make decisions within
broad interpretation of laws, regulations and company policies. Such
decisions could have a significant short-term effect on company financia