Relationship Manager III

<strong>As a healthy, growing and thriving bank, we offer employees everything they need to flourish in the world of banking. That&rsquo;s because we strongly believe our people are our strongest assets. From advancement opportunities to employee development, we invest in our people to be the best they can be.<br /><br /></strong>Member FDIC&nbsp; |&nbsp; Equal Housing Lender&nbsp;

Kalamazoo, MI

Chemical Bank

<p><strong>Since 1917, Chemical Bank&rsquo;s home town approach to banking has been focused on community banking, highlighted by local leadership and decision making, a devotion to community and personalized service. We pride ourselves on being an Equal Opportunity Employer.<br /><br />As a Chemical Banker, you will join other professionals who share our community banking philosophy of making a positive impact where we live, work and play. You will be a part of a growing community bank that believes in the dreams of its customers and employees alike. With Chemical Bank, you will make a difference in your community while enjoying excellent benefits and top career opportunities. Visit our&nbsp;<a href="https://www.chemicalbank.com/careers/">Careers Page</a>&nbsp;for more information.</strong></p> <br /> <p>&nbsp;</p> https://www.chemicalbank.com/

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Full-Time

Overview: <p style="margin: 3.35pt 0in 0pt;"><strong>Responsible for generation, growth and management of a profitable commercial loan portfolio, deposit portfolio and generating non-interest income. Retains and provides solutions to current relationships and develops new business through cross-sales and referrals. Deepen relationships with existing clientele and develop efforts to reach prospective clients. Properly administer assigned loan portfolio. Works closely with credit staff to perform in-depth analysis of new and existing loan requests.</strong></p> <p style="margin: 8pt 0in 0pt;"><strong><span style="text-decoration: underline;"><span style="font-size: 12pt;"><br /><br /></span></span></strong></p>
Responsibilities: <p style="margin: 6.35pt 0in 0pt;"><strong>Portfolio Maintenance</strong></p> <ul> <li>Actively manage and understand credit risk within the portfolio.</li> </ul> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Gather the financial information needed to monitor credit risk.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Review and analyze financial information obtained from the client.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Correspond with the credit analyst, customer, and on occasion with the CPA and an attorney to ensure all necessary information is obtained and any additional questions are answered.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>Make decisions about denying, recommending counter-offer or approval of loan requests.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Ensure proper and accurate documentation of loan requests. Make sure the customer is completely familiar with the terms of the obligation. Ensure that the loan documentation is consistent with the Bank approval.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>The eventual collection of a loan regardless of the need to rely on others for servicing, documentation or other forms of assistance.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.9pt 0in 0pt;">&nbsp;</p> <ul> <li>Early detection and identification of problem loan situations and the surfacing of any credit deterioration to appropriate management and maintaining accurate loan risk ratings. Take ownership of credit quality of loan portfolio.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>Manages the total return of the relationship.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Actively manage risk ratings, overdrafts, covenant compliance and annual reviews of portfolio.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;"><strong>New Business Development</strong></p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Grow a diverse commercial loan portfolio.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Source, develop and underwrite new commercial loan financing requests for new and existing customers.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Perform annual reviews with clients and be able to identify new opportunities for both the Bank and the client. Work with client to identify and understand their business needs. Develop solutions to achieve these needs and recommend appropriate bank products and loan structure.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>Establish and maintain a network of resources. Form working relationships with internal and external referral sources.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>Participate in local civic, cultural and community reinvestment act activities.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Be a customer and bank advocate in negotiating terms and conditions of customer requests.</li> </ul> <p>&nbsp;</p> <p style="margin: 9.5pt 0in 0pt;"><strong>Teamwork</strong></p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Embrace and live the corporate values and mentor peers and credit analysts.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <ul> <li>Achieve goals by working with the team and providing an enjoyable, valuable and memorable customer experience.</li> </ul> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <ul> <li>Proactively build relationships both inside and outside of the organization.</li> </ul> <p>&nbsp;</p> <p style="margin: 3pt 0in 0pt;">&nbsp;</p>
Requirements: </span></span></strong></p><p style="margin: 3.35pt 0in 0pt;"><span style="color: black;"><ul><li>Bachelor's degree required</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Professional certificate or graduate degree preferred</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>7 - 10 Years Experience in Function </span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>7 - 10 Years Experience in Industry </span></p><p style="margin: 14.75pt 0in 0pt;"><span style="color: black;"></li><li>Completion of formal credit training with demonstrated skill in handling complex accounts with above average performance. </span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><li>Demonstrated ability to source and produce new business.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Excellent analytical and negotiating skills. </span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Excellent verbal and written communication skills and the ability to organize and deliver presentations.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Strong time management practices, a sense of urgency to meet deadlines.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>High level of technical expertise. </span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Experience with business law basics and loan documentation.</span></p><p style="margin: 19.6pt 0in 0pt;"><strong><span style="text-decoration: underline;"><span style="color: black; font-size: 12pt;"></li></ul>