Account Manager develops sales plans and relationships for mid - size accounts at White Cap. Focus on sales growth and executive account management in a thriving construction supply company.
About the role
- C&I Relationship Manager IV responsible for complex commercial lending and client relationship management. Marketing financial products to large commercial clients with a focus on growth in commercial banking.
Responsibilities
- Assumes the overall responsibility, development and management of their borrowing and non-borrowing portfolio
- Responsible for marketing a range of products and services to medium and large commercial clients
- Services and originates most challenging and complex C & I loans
- Manages and develops a portfolio of complex commercial relationships and ensures retention of total client assets, credit quality and net growth in relationships
- Plays a vital role in the growth and development of the commercial banking portfolio and market share
- Primary focus will be to profile and sell/cross-sell commercial products to our existing client base, as well as prospects
- Works closely with internal partners to facilitate the development of new business relationships as well as develop prospects through lead lists and Centers of Influence (COI)
- Responsible for retaining and expanding existing customer relationships
- Develop and maintain a quality loan portfolio with an emphasis on companies with revenues between $20 - $150 million, obtaining deposits and cross-selling other Bank products and services along with building strong customer relationships
- Prepares correspondence, commitment letters, loan memorandums and associated documents as required
- Monitors loan portfolio and maintains updated financial information
- Expands existing knowledge base of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements
- Ensures the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines
- Identifies and successfully capitalizes on cross-sell opportunities and makes appropriate referrals
- Executes a call program to acquire, retain and expand existing customer relationships
- Maintains pipeline of existing relationships and new prospects
- Collects and maintains financial information on borrowers and interacts with customers to ensure that all banking needs are being met
- Assists in mentoring teammates, to include credit analysis, financial spreading and underwriting
- Provides financial advice to customers and profitably sells appropriate products and services to those prospects and clients
- Works with Treasury staff to solicit treasury services and deposit accounts
- Prepares correspondence, commitment letters, and loan memorandums and associated documents as required
- Ensures that own work is in compliance with applicable policies, procedures, laws, regulations and guidelines
- Participates in organizations and projects to establish referral contacts and Centers of Influence (COI) within the community.
Requirements
- Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience
- Minimum 10 years of commercial banking experience and a proven track record of generating deposit and fee income
- Strong credit skills
- Ability to independently manage a specialty line of lending and complex lending structures
- Very strong professional writing skills, can articulate a customer’s business needs succinctly and accurately in credit packages
- Demonstrates effective problem solving and excellent collaboration and inter-personal communication skills
- Possesses excellent C & I lending and product knowledge and organizational skills
- Ability to make knowledgeable loan decisions based on information supplied by the customer verified through a rigorous underwriting process
- Strong ability to structure loans, strong credit skills
- Proven track record with sales and new business development in conjunction with exceeding sales goals
- Ability to work well in a sales driven environment
- Ability to manage multiple tasks at one time without supervision
- Knowledge of applicable laws and regulatory compliance related to commercial lending
- Proficient computer skills with a good working knowledge of Microsoft Office Programs including Excel, Word and Outlook.
Benefits
- General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
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