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Business Banking Relationship Manager

Company: Commerce Bank
Location: Saint Joseph
Posted on: November 16, 2021

Job Description:

About Working at Commerce Wouldn't it be great to build your career at a bank that's known for helping people with their financial challenges? That's exactly what you'd be doing when you join the team at Commerce Bank. We're looking for teammates who are ready to do whatever it takes to help our customers with their everyday financial needs. You'd be helping yourself too, because Commerce has a tradition of recognizing and rewarding team members for their talent, skills and contributions. No wonder we've been an industry leader for over 150 years and have developed a reputation as a great place to work in the financial services world. If you'd like to be a part of a team and culture that is respected by its peers and in your community, we should talk. We're always looking for the best and brightest. About This Job The main purpose of this job is to manage existing commercial relationships as well as solicit new business opportunities with assigned customers and targeted prospects. Although it can vary by market, targeted companies generally include those with annual sales of up to $20MM. Essential Functions * Primarily involved in calling activities with assigned customers and targeted prospects with the objective to acquire new business. * Serves as the primary advisor for an assigned portfolio of diverse and complex commercial relationships, ensuring a high level of customer satisfaction and retention. * Coordinates with product partners to cross-sell a full range of products and services. * Critically reviews and analyzes portfolio to reduce risk and enhance profitability. * Works closely with aligned portfolio managers and management to facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk. * Facilitates the resolution of customer problems, engaging product experts as needed. * Participates in community and business functions/groups to ensure a positive image for the bank and to establish referral contacts within the marketplace. * Ensures compliance with all bank policies, procedures, regulations, and laws. * Manages a portfolio of commercial relationships with some or all of the following characteristics: * Avg loan portfolio O/S of $10MM to $50MM. * Avg deposit portfolio of $5MM to $25MM. * Annual contribution of $200M to $500M * Note: Newly created positions may need time to establish these portfolio levels. Work Schedule * Full time, 40 hours per week. * Monday - Friday, 8:00am-5:00pm. * Location: St. Joseph 36th & Frederick retail branch. Knowledge, Skills & Abilities Required * Thorough knowledge of full range of commercial products, credit policies, * procedures and terminology. * Strong time management skills, with ability to appropriately prioritize calling * activities and strategies. * Goal oriented with well-developed sales skills. * Strong strategic, analytical, and problem-solving skills. * Good credit analysis skills. * Excellent verbal/written communication skills. * Well-developed persuasive and negotiation skills. * Good independent decision making skills, but requires some management * oversight. * Ability to structure more complex credit requests. Educations & Experience * Bachelor's Degree in Finance or Accounting or equivalent combination of education and experience. * The level of this role will be determined by the qualifications of the applicant. For this position, federal regulations require Commerce Bank to prepare an investigatory consumer report which will disclose credit history. If you express interest in and are considered for this position, you will be asked to authorize that report. For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you'll be asked to authorize our review of that record, maintain a valid driver's license, and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements. Location: 3606 Frederick Ave, St. Joseph, Missouri 64506 Time Type: Full time

Keywords: Commerce Bank, Saint Joseph , Business Banking Relationship Manager, Executive , Saint Joseph, Missouri

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