Business Credit Relationship Manager I

Summary: The Business Credit Relationship Manager ("RM") ensures loans are properly serviced and secured, clients' financial status is reviewed, and collateral is appropriately analyzed and verified.

Duties and Responsibilities:

• Typically manages a Business Credit ("ABL") portfolio of Borrowers, consisting of agented (50%) and participation/club (50%) transactions.

• Evaluates all aspects of existing and proposed transactions to determine viability of the credit and proper loan structuring. Provides appropriate recommendations to Senior Management, Regional Credit Officer ("RCO") and/or Senior Loan Committee ("SLC").

• Build and continually develop working relationship with borrowers, agent banks and third-party business partners, including but not limited to turnaround consultants, field examiners, attorneys, appraisers, and other professional firms. These relationships are crucial in the management of the ABL Portfolio, as this will result in the timely communication of critical credit analysis and recommendations to effectively manage the portfolio. Works closely with Consultants, Senior Management and Senior Loan Committee on distressed credits.

• Responsible for recommending and implementing the ABL client relationship strategy.

• Prepares monthly and quarterly portfolio management reports; develops critical financial/collateral analysis, processes client credit requests, and underwrites the appropriate approval requests for new customers/prospects, annual reviews, amendments, waivers and/or renewals in a timely manner.

• Perform appropriate credit monitoring of the assigned portfolio, including but not limited to an independent analysis of financial data, collateral trends, monthly maturity reports, daily borrowing base availability reports, past due reports, industry trends, and economic conditions, which should result in an independent conclusion as to the Borrowers financial condition, the key credit issues/mitigants and to the overall risks/concerns that exist in the current and/or proposed loan structure.

• Reviews client field exams, appraisals, collateral trends and reporting with the ability to identify and proactively recommend appropriate reserves, ineligibles and credit solutions.

• Completes and presents the appropriate credit approval requests for amendments, waivers, modifications, annual reviews and portfolio reviews (ensuring proper risk analysis and rating recommendations) to Senior Management, RCO's and/or SLC.

• Support the ABL Business Development Officer ("BDO"), Senior ABL Relationship Manager ("Senior ABL RM") or C&I Bankers ("Bankers") calling efforts to cross sell Bank products to enhance existing ABL portfolio relationships and revenues. Leverage customer knowledge and relationship to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients.

• Assist in the new business sales process, including accompanying the new business team on customer and prospect calls and various other sales/customer-oriented projects. Responsible for aiding the BDO/Senior ABL RM/Banker in completing and presenting the ABL New Business Prescreen Package to Senior Management, Regional Credit Officer and/or SLC for approval.

• Assist in the loan documentation preparation, review, filing and loan bookings of new and/or existing customers. Provide appropriate recommendations to the BDO/Senior ABL RM/Banker and/or legal counsel throughout documentation. Confirm that no material approved terms and conditions have been altered during legal document and that all conditions to closing have been met prior to closing and funding, which is typically provided to the RCO and/or SLC with the completion of a Closing Memo.

• Reviews and ensures that third party due diligence including field exams and/or appraisals are performed timely, that the overall collateral, financial, and covenant reporting is timely and accurate and to the overall adherence to Credit policy, guidelines, and regulatory requirements.

• Prepare lending activity reports for management and loan committee as needed.

• Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization. Maintains a good working relationship with bank employees and provides ongoing coaching and support for Underwriters and Credit Analysts.

• Performs other duties as assigned.

Education:

Requires a four-year college degree or equivalent.

Experience:

Two to five year of general experience required. Two to five years of specialized A combination of Five (5) + years of Asset Based Lending, Commercial Banking and/or Specialized Lending Experience (including but not limited to field examination, underwriting, portfolio management, and/or business development.

Physical Demands:

Operates a keypad device 20-30% of the day. Operates office equipment 20-30% of the day. The primary parts of the body involved in performing these tasks are the fingers, thumbs, hands and wrists and elbows, lower and upper torso. Traveling to alternate work locations 0-10%. Overnight stays required 0-10%. Standing is 0-10%. Sitting is required 30-40% per day. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Work can be performed at multiple locations.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Salary Range: