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Commercial Relationship Mgr

Company: United Community Bank
Location: Marietta
Posted on: June 21, 2022

Job Description:

Position Title: Commercial Relationship MgrReports To: PresidentDirect Reports: N/A -Summary: -Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million. -The size and complexity of the companies would require analytical training and experience necessary to communicate with a business owner/CEO, CFO or Business Controller. -Duties include developing and managing commercial business relationships including making loans, obtaining deposit accounts, selling cash management services, and cross selling other bank services. -Provide guidance to credit analyst and/or portfolio managers and promote the bank within the community.Commercial Relationship Manager Levels- CRM levels I-IV are determined by new or existing CRM guidelines. -Job Requirements:--- - - -Bachelor's degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience--- - - -Minimum three years' banking experience in credit analysis or lending--- - - -Capable of analyzing complex financial statements/completion of commercial analyst training program--- - - -Possess effective sales and negotiation skills--- - - -Possess excellent verbal and written communication skills--- - - -Strong customer service skills--- - - -Ability to work independently as well as part of a team--- - - -Self-motivated/takes initiative--- - - -Proficient in Microsoft programs ---- - - -Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc. -JOB FUNCTIONS: ---- - - -Manage and retain profitable client relationships--- - - -Develop new business through active calling on clients and prospects--- - - -Develop and maintain a strong COI's network--- - - -Use Vertical IQ, Business Browser, or other tools available to research and develop leads--- - - -Manage individual production versus assigned goals--- - - -Recommend structure, terms, and rate for loans being underwritten--- - - -Provide guidance to credit analysts--- - - -Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals--- - - -Ensure adherence to company loan policies and procedures--- - - -Evaluate risk to meet profitability standards--- - - -Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.--- - - -Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable--- - - -Other duties as assignedNOTE: Compensation for this position may vary according to eligibility requirements as set forth in UCB's Commercial Relationship Manager Incentive plan as defined below: -ELIGIBILITY: -All full-time CRMs who meet the following criteria (Participants):--- - - -Primary duties involve new business development and servicing of commercial relationships, with 51% of their portfolio consisting of commercial loans ---- - - -Not participating in an Executive/Management Incentive Plan or any other incentive plan--- - - -The Chief Banking Officer will have discretion regarding participant entrance and eligibility to the plan--- - - -Each CRM must achieve a target level of outstanding portfolio balance plus production of $30 million (combination of both) from the previous calendar year--- - - -New CRMs may be allowed to enter the plan provided their annualized production and portfolio are expected to reach the $30 million within 3 years ---- - - -Once in the CRM plan, each CRM must achieve 50% of their individual goals for eligible quarterly payout--- - - -Must not have been placed on probation during the current quarter. It will be at management's discretion for future incentives for the remaining plan year.

Keywords: United Community Bank, Marietta , Commercial Relationship Mgr, Accounting, Auditing , Marietta, Georgia

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