Commercial Relationship Manager - Birmingham, United States - Citizens Trust Bank

Description

Job Description

Job Description

Building relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment. Our Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers. Our mission is to empower generations for financial success.

We are driven to excel and led by our mission of empowerment to prepare generations to secure a financial future. We inspire and execute our institution's values of INTEGRITY, COLLABORATION, INNOVATION, SERVICE EXCELLENCE, RESPECT, ACCOUNTABILITY and LEADERSHIP to be the keys to our ongoing success.

Joining our team, you can expect opportunities to enhance personal skills as well as professional growth. As community partners, associates and stakeholders of the bank's legacy - We Are Citizens Trust Bank and we are united in the achievement of the bank and its mission and objectives. We invite you to be a part of our awesome team.

If you are interested in this position and meet the qualifications and requirements, please apply at Additionally, if you have any questions, please contact Tawanda Heard at

POSITION SUMMARY:

Responsibilities include but are not limited to the following:

· Provides financial consultation to existing clients and prospective customers to assist them reach their goals, as well as potentially cultivate and maintain a long-term banking relationship.

· Meets or exceeds pre-determined minimum loan production goals of $10 million annually, by conducting business development activities.

· Originates sound loans opportunities reflecting attention to analysis, loan structure, and pricing relative to the risk and value of the borrower and bank loan policy, and prepares quality loan presentations for credit recommendations to appropriate loan authorities.

· Negotiates complex pricing, loan structure, and loan agreement terms with borrowers.

· Monitors existing assigned loans to ensure complete compliance with loan terms, proper loan ratings, timely past due management, and problem loan detection.

· Calls on potential customers and/or existing client, as well as, Centers of Influence (COI's) to develop new business and increase or retain existing business.

· Develops a list of new "suspects" and qualified prospects as per the sales process.

· Maintains an extensive knowledge of Citizens Trust Bank's Bank loan policy and procedures, commercial deposit accounts, cash management, ACH policies, credit cards and other banking solutions.

· Works with the credit and operational teams to ensure an efficient and quick turnaround to loan requests.

· Establishes a strong network of referral relationships to solicit new leads.

· Participates in regular sales meetings to promote banking solutions

· Collaborates and cultivates effective relationships with all business lines to obtain and maintain insight of needs and opportunities to mitigate potential compliance risks; ensures that expectations are met and/or exceeded

· Exceeds all established performance and position's goals, objectives, and expectations.

Other Duties and Responsibilities:

· Adheres to all policies, procedures, guidelines, expectations, laws, regulations and training requirements.

· Uses good judgment and makes sound business decisions.

· Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately.

· Leads initiatives and projects, mitigate risks, adds value, and supports the Bank's vision, mission core values, business principles, goals, and objectives.

· Attends, assists and participates on bank committees; attends, participates, promotes and represents the Bank at business, professional, and community events, functions, meetings, organizations, associations, programs, and activities to support and broaden Bank's image and visibility and help increase business development and other related opportunities.

· Demonstrates consistent professional appearance, behavior, image, high level of integrity, ethics and consistent represents the CTB Brand.

· Manages other assigned functions and performs other duties and responsibilities as assigned.

QUALIFICATIONS, SKILLS, ABILITIES:

· Minimum 3 years of proven Commercial Lending experience with a focus on SBA.

· Proven sales track record in developing new business and extensive knowledge of lending and banking policies, procedures, and regulations.

· Credit underwriting experience is a plus.

· Bachelor's degree in finance, accounting, economics, law, business administration, management or related field

· Expert level written and verbal communication and diplomacy skills with the ability to communicate clearly, concisely, persuasively, informatively, tactfully and effectively work across all levels of the organization

· Demonstrated ability to use accurate and great judgment, discretion, and reasoning, as well as, make sound business decisions, comprehend and follow directions and instructions

· Highly resourceful team player with excellent presentation, interpersonal, relationship building, leadership, organizational, and in-depth supervisory skills are essential

· Possess the ability to readily analyze and interpret government regulations, assess and articulate complex problems and solutions; strong analytical, technical, problem resolution, project management, strategic and critical/logical thinking, research and negotiation skills

· Digital and technology-savvy and proficient in using advanced Microsoft Office (Excel, Word, PowerPoint, etc.) and Google Suite, with the ability to implement innovative solutions; strong knowledge and understanding of compliance and fraud prevention related management, monitoring and reporting systems and the FIS Horizon core banking system

· Must be a self-starter who is self-motivated and directed with the ability to resolve compliance problems, produce accurate and organized work with minimum supervision, handle multiple tasks; goal oriented with the ability to produce quality results, meet all established goals, objectives, deadlines, and expectations; ability to comply with all bank policies, procedures, regulations, and laws

· Excellent quality customer service and telephone skills with a genuine interest in serving customers and the ability to collaborate and build good cross-functional business relationships

· Outgoing and trustworthy with the ability to effectively handle and maintain confidential matters and information

· Demonstrated ability to conduct and facilitate effective meetings and compliance training classes

· Ability to work independently in a fast paced, high performance and changing environment, and must be able to adapt to change

· Must be able to demonstrate and maintain a positive composure and consistently demonstrate professional appearance, demeanor, image, and consistently represents the CTB Brand

· Ambitious with a strong work ethic and high integrity, positive behavior, ability to work both independently and as part of a team in a collaborative environment; detailed-oriented with excellent time management and strategic planning skills

· Exceptional creativity with the ability to prioritize work and meet deadlines

· Must be mature, flexible and energetic with a competitive and winning spirit

· Assertive and demonstrates initiative with the ability to work through challenging situations and find win-win solutions

· Ability to travel to all locations as needed

Citizens Trust Bank is committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high-quality performance. We offer competitive compensation and a comprehensive employee benefits package for our full-time employees. Our benefits package includes the following:

 Medical, Dental, Vision and Prescription

 401(k) Retirement Plan

 Life Insurance

 Accidental Death & Dismemberment

 Short&/Long Term Disability

 Flexible Spending Plan

 Paid Time Off, Vacation and Holiday Pay

 Tuition Reimbursement

 Employer Assisted Housing Program

EEO/AA

 Wholesale Membership Program

 Wellness Program

 Employee Assistant Referral Services (EAP)

 Legal Shield Program

 Group Cancer & Accident Insurance Programs

 Worker's Compensation Program

 Free Banking Services

 Awards and Recognition Programs

 Training & Development Programs and much more

Company DescriptionCitizens Trust Bank is an Equal Employment Opportunity/Affirmative Action Employer offering competitive compensation, comprehensive employee benefits and opportunities for career development and advancement. We are committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high quality performance.

Citizens Trust Bank prides itself on offering a full-range of quality banking solutions throughout metropolitan Atlanta, and Columbus, Georgia, Birmingham and Eutaw, Alabama markets. Since its inception, the Bank has remained dedicated to the growth and development of communities through superior banking solutions and extraordinary service.

As an institution of excellence, celebrating over 100 years of success, Citizens Trust Bank continues to champion its commitment to offering customers viable banking solutions with first-class customer service to meet their growing business needs. Delivering on that promise, we continue to be sound and strong, and it is our goal that our customers and associates are too.

Company Description

Citizens Trust Bank is an Equal Employment Opportunity/Affirmative Action Employer offering competitive compensation, comprehensive employee benefits and opportunities for career development and advancement. We are committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high quality performance.\r
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Citizens Trust Bank prides itself on offering a full-range of quality banking solutions throughout metropolitan Atlanta, and Columbus, Georgia, Birmingham and Eutaw, Alabama markets. Since its inception, the Bank has remained dedicated to the growth and development of communities through superior banking solutions and extraordinary service. \r
\r
As an institution of excellence, celebrating over 100 years of success, Citizens Trust Bank continues to champion its commitment to offering customers viable banking solutions with first-class customer service to meet their growing business needs. Delivering on that promise, we continue to be sound and strong, and it is our goal that our customers and associates are too.