630 - Commercial Reg 3-Wash - Commercial Relationship Mgr II

First United Bank & Trust • Hagerstown, MD

3d

About The Position

For more than a century, First United has served the financial needs of our personal and business
customers throughout Maryland, West Virginia, Virginia and Pennsylvania. We care about our communities,
seek to understand what drives our customers and create customized solutions to meet their needs.
Our mission is to enrich the lives of our customers, coworkers and shareholders through an
unparalleled commitment to the client experience and passionate involvement in the community.
Job Reporting Relationships
Supervised by: Director of Commercial Services
Supervises: No Direct Reports
Basic Qualifications
Education/Training: A Bachelor of Science or Bachelor of Arts degree in Accounting, Business, Finance, or a related field of study required. In lieu of a bachelor’s degree consideration will be given to individuals with a High School Diploma and a minimum of seven years of directly related commercial lending or banking industry experience.
Skill(s): Advanced level proficiency in reading, writing, grammar, and mathematics skills; expert level proficiency with interpersonal relations, communicative, and sales skills; an in-depth understanding and thorough knowledge of all bank commercial products and services; a strong working knowledge of the banks operating policies and procedures; advanced technical knowledge and proficiency in spreadsheet and financial analysis; advanced level of demonstrated self-management supervisory skills; visual and auditory skills; valid driver's license.
Experience: Five or more years of commercial loan related experience is normally required.
General Responsibilities
The Commercial Relationship Manager serves as an integral part of the bank, with responsibilities for both the sales and operations of the commercial lending function within a geographic region of the bank’s business footprint. He/she is directly responsible for enhancing the development, growth and profitability of the loan portfolio; meeting the commercial products and services needs of business customers; complying with operating policies and procedures; directly supervising assigned personnel; communicating with the Board of Directors, the Board’s Loan Committee, bank executives, managers and staff; responding to inquiries or requests for information and maintaining appropriate records, reports and required regulatory documents.

Requirements

• A Bachelor of Science or Bachelor of Arts degree in Accounting, Business, Finance, or a related field of study required. In lieu of a bachelor’s degree consideration will be given to individuals with a High School Diploma and a minimum of seven years of directly related commercial lending or banking industry experience.
• Advanced level proficiency in reading, writing, grammar, and mathematics skills; expert level proficiency with interpersonal relations, communicative, and sales skills
• An in-depth understanding and thorough knowledge of all bank commercial products and services
• A strong working knowledge of the banks operating policies and procedures
• Advanced technical knowledge and proficiency in spreadsheet and financial analysis
• Advanced level of demonstrated self-management supervisory skills
• Visual and auditory skills
• Valid driver's license
• Five or more years of commercial loan related experience is normally required.

Responsibilities

• Responsible for meeting quantitative sales objectives, established with manager/supervisor annually, as a part of the Commercial Lending Department's annual marketing/sales plan.
• Proactively manage personal business portfolio. Reaching out to prospective customers and completing the sale of appropriate commercial credit/deposit products and fee based services.
• Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
• Serves as a member of the Bank's sales team; makes joint sales calls where these types of calls will improve the opportunity for new business development.
• Works with Portfolio Manager/Relationship Specialist to prepare and maintain accurate records of all present and prospective customer service calls; provide sales information on a timely basis for the customer service and sales performance reports.
• Provides direct service or delegate service assignments to team members that will meet the requests from commercial customers of the Bank with respect to deposit, loan, and other miscellaneous products and services.
• Supports positive business growth throughout the bank by taking action on potential cross-selling opportunities and providing proactive communication to potential customers and internal business partners.
• Works closely with Credit Analysts to obtain financial information on larger commercial credits for completion of annual reviews on customer accounts as necessary.
• Works closely with the Credit/Collections Department on any credit which needs extra attention or has the potential to be a “watch list” loan.
• Prepares reports on partial release requests to determine that loans remain within credit policy guidelines.
• Maintains a working knowledge of bank operating policies and procedures, monitors new developments in lending and compliance with loans policies and appropriate regulations; suggests changes in credit policy as necessary.
• Performs other related duties as assigned.
• Manages an active portfolio of ($25, 000,000 - $100,000,000) twenty-five to one hundred million dollars of small to large loan relationships with moderate to significant complexity in client relationships and financial data
• Develops and maintains relationships with other banks for loan participation.
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, safety, soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act (Reg. B), Flood Disaster Protection Act, Home Mortgage Disclosure Act (Reg. C), etc.
• Communicates with the Board of Directors, the Board’s Loan Committee, Executive Management, Commercial Loan Officers from other regions and management personnel; providing information on the current business environment, performance metrics and periodic management reports.
• May under certain conditions or upon request be required to present commercial loan packages to the Board of Director’s Loan Committee or to the full Board of Directors.
• Maintains appropriate records, reports and required regulatory documents.

Benefits

• Fulltime hourly-paid employees will be provided 12-days of Paid Time Off (PTO), that is accrued 1-day for each month worked. After the completion of 90-days of employment accrued PTO can be used for any purpose including being paid for absences or vacation time. At the end of the first year of employment, any unused PTO will be converted to the employee’s sick time accrual. Sick time will begin accruing effective on the employees first year anniversary up to 120 days. At that point, PTO is no longer available; and any paid absence will be eligible under the sick, vacation, personal and family sick pay policy. After one year of service the employee is eligible for their annual vacation benefit.
• Salaried-paid employees are not eligible for PTO and accrue paid sick days at 1-day per month; and any vacation time that has been approved for the 1st year of employment.
• 12 paid holidays, 2 Personal days, 2 Family Sick days, 2 Volunteer Days after completion of 90 days of employment.
• Eligible for Health Care, Dental and Vision (single and family) the first of the month following 30 days of full-time employment.
• 401(k) eligible on the first day of the month following 30 days of employment with employer match available.
• Company Wellness Program.
• Company Stock program available after 1 year of employment.
• Annual Performance Reviews completed, and salary increase amount given based on individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level