Commercial Real Estate Relationship Manager II

<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;

Grand Rapids, 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.<br /><br /></strong></p> <p class="p1">Member FDIC &nbsp;<span class="s1">|</span>&nbsp; Equal Housing Lender</p> <p class="p2">&nbsp;</p> https://www.chemicalbank.com/

keywords: the role,financial services,analysis,relationships,management,teamwork,risk management,solutions,values,sales,certification,performance,experience,production,degree,training,analysis,communication

Full-Time

Overview: <p style="margin: 3.35pt 0in 0pt;">Responsible for generation, growth, management of a profitable commercial real estate 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.</p> <p style="margin: 8pt 0in 0pt;"><strong><u><span style="font-size: 12pt;"><br /><br /></span></u></strong></p>
Responsibilities: </span></u></strong></p><p style="margin: 6.35pt 0in 0pt;"><strong><span style="color: black;">Portfolio Maintenance</span></strong></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"><ul><li>Actively manage and understand credit risk within the portfolio.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Gather the financial information needed to monitor credit risk.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Review and analyze financial information obtained from the client.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><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.</span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><li>Make decisions about denying, recommending counter-offer or approval of loan requests.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Ensure proper and accurate documentation of loan requests. Make sure the customer is totally familiar with the terms of the obligation. Ensure that the loan documentation is consistent with the Bank approval.</span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><li>The eventual collection of a loan regardless of the need to rely on others for servicing, documentation or other forms of assistance.</span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><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. </span></p><p style="margin: 6pt 0in 0pt;"><span style="color: black;"></li><li>Manages the total return of the relationship.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Actively manage risk ratings, overdrafts, covenant compliance and annual reviews of portfolio.</span></p><p style="margin: 4.25pt 0in 0pt;"><strong><span style="color: black;">New Business Development</span></strong></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Embrace the Bank's commercial operating model and utilize customer relationship software tools.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Establish and maintain a network of resources. Form working relationships with internal and external referral sources.</span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><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.</span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><li>Proactively identify CRA opportunities.</span></p><p style="margin: 4.25pt 0in 0pt;"><strong><span style="color: rgb(64, 64, 64);">Customer Service/Teamwork</span></strong></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Become a trusted financial advisor to their clients and provide exceptional customer service.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Cross sell Treasury Management and other Bank products, solutions and services.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Participate in local civic, cultural and community reinvestment act activities.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Be a customer and bank advocate in negotiating terms and conditions of client requests.</span></p><p style="margin: 5.75pt 0in 0pt;"><span style="color: black;"></li><li>Embrace and live the corporate values and mentor peers and credit analysts.</span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>Achieve goals by working with the team and providing an enjoyable, valuable and memorable customer experience.</span></p><p style="margin: 3pt 0in 0pt;"><strong><u><span style="color: black; font-size: 12pt;"> </span></u></strong></p> </div> </div> </div> <h2 class="iCIMS_InfoMsg iCIMS_InfoField_Job"> </h2> <div class="iCIMS_InfoMsg iCIMS_InfoMsg_Job"> <div class="iCIMS_Expandable_Container"> <div class="iCIMS_Expandable_Text"> <p style="margin: 0px;"><strong><u><span style='color: black; font-family: "Verdana",sans-serif; font-size: 10pt;'></li></ul>
Requirements: </span></u></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>5 - 7 Years Experience in Function </span></p><p style="margin: 4.25pt 0in 0pt;"><span style="color: black;"></li><li>5 - 7 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 knowledge and increased responsibility with above average performance. </span></p><p style="margin: 4.25pt 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: 33.05pt 0in 0pt;"><strong><u><span style="color: black; font-size: 12pt;"></li></ul>