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Commercial Lending Relationship Manager Sr in Lewisville, TX at Colonial Savings

Date Posted: 7/17/2018

Job Snapshot

  • Employee Type:
    Full-Time
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
    7/17/2018

Job Description

Company:  Colonial Banking

Job Title: Commercial Lending Relationship Manager Sr 

City: Lewisville State: Texas        

 


Commercial Lending Relationship Manager Sr


 

Job Description

The Relationship Manager Sr is responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex commercial, commercial real estate, SBA, equipment and some consumer loans, in compliance with the Bank’s lending policies and procedures. They will develop business checking and deposit relationships with customers; while promoting business for Colonial Savings by maintaining good customer relations. The BCCL is responsible for achieving, as established by the Bank, region and branch goals through active participation in sales management and officer call programs. They will provide leadership, training and support to loan officers and other staff members; while ensuring compliance with all bank policies and procedures, as well as applicable state and federal banking regulations

Responsibilities Include:


• Engage in business development activities and solicitation of new business
• Interview prospective applicants and request all documentation/information related to loan or credit application
• Perform pre-qualification assessments and analysis of financial condition and risk of financing requests within framework of bank credit culture and current economic and industry trends from applicants
• Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval
• Maintain/acquire relationships with existing and potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee
• Coordinate processing of approved loans; ensuring loans are processed according to agreement, customer needs and conforms to bank lending policies
• Ensure that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning
• Negotiate, underwrite and processes renewals of credit facilities
• Approve loan payments, draws from lines of credit, and fund transfers within specified limits
• Contribute to the overall profitability of the branch and monitors expenses to ensure compliance with budget
• Reinforce the application of superior customer service through his or her own example along with appropriate follow through with customers and employees
• Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competitors
• Represent the bank in various community, civic, and community reinvestment functions to further enhance the bank’s image and develop additional business
• Cross sell Colonial's products and services
• Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
• Directly responsible in meeting annual deposit and loan growth goals assigned by Senior Management
• Provide leadership and training to loan officers and other staff members
• Participate with Senior Management with developing, analyzing and finalizing complex loan agreements with representatives of large businesses
• Respond to inquiries or refer inquiries to the appropriate department or person
• Assume responsibility for special projects; gather data and prepare reports for senior management, auditors and other personnel.
• Various duties as assigned.
• Successful NMLS registration is required

 

Job Requirements

• 5+ years Commercial Banking experience
• Advanced experience with financial statements and tax return analysis
• Mastered experience in all lending activities and terminology
• Mastered knowledge of commercial, construction, real estate and consumer loan processing.
• Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies
• Proven ability to develop marketing and business development skills with customers
• Advanced mathematical skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
• Self-motivator with excellent organizational and time management skills
• Knowledge of human resource and labor laws and policies
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
• Ability to work with no supervision

 

 


 

This position offers a full range of benefits including Health, Dental, and 401k.

Equal Opportunity Employer

M/F/Disability/Vet.

 

Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions in the country by Bauer Financial, a leading analyst, and has earned Fannie Mae’s Four STAR award for customer service and foreclosure prevention, as well as the highest achieving STAR Performer for best practices in General Servicing, Collections/Loss Mitigation and Neighborhood Stabilization in 2014.

 

Member FDIC | Equal Housing Lender | NMLS ID 401285