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: relationships,grow,performance,solutions,administration,financial services,teamwork,analysis,relationships,management,risk management,experience,technical,production,organization,degree,training

Full-Time

Competitive Compensation and Benefits Package

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>
Responsibilities: <p style="margin: 6.35pt 0in 0pt;"><strong>Portfolio Maintenance<br /></strong></p> <ul> <li>Actively manage and understand credit risk within the portfolio.</li> <li>Gather the financial information needed to monitor credit risk.</li> <li>Review and analyze financial information obtained from the client.</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.</li> <li>Make decisions about denying, recommending counter-offer or approval of loan requests.</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.</li> <li>The eventual collection of a loan regardless of the need to rely on others for servicing, documentation or other forms of assistance.</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.</li> <li>Manages the total return of the relationship.</li> <li>Actively manage risk ratings, overdrafts, covenant compliance and annual reviews of portfolio.</li> </ul> <strong>New Business Development</strong> <ul> <li>Embrace the Bank's commercial operating model and utilize customer relationship software tools.</li> <li>Establish and maintain a network of resources. Form working relationships with internal and external referral sources.</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.</li> <li>Proactively identify CRA opportunities.</li> </ul> <strong>Customer Service/Teamwork</strong> <ul> <li>Become a trusted financial advisor to their clients and provide exceptional customer service.</li> <li>Cross sell Treasury Management and other Bank products, solutions and services.</li> <li>Participate in local civic, cultural and community reinvestment act activities.</li> <li>Be a customer and bank advocate in negotiating terms and conditions of client requests.</li> <li>Embrace and live the corporate values and mentor peers and credit analysts.</li> <li>Achieve goals by working with the team and providing an enjoyable, valuable and memorable customer experience.</li> </ul> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 5.75pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p>
Requirements: <ul> <li>Bachelor's degree required</li> <li>Professional certificate or graduate degree preferred</li> <li>5 - 7 Years Experience in Function</li> <li>5 - 7 Years Experience in Industry</li> <li>Completion of formal credit training with demonstrated knowledge and increased responsibility with above average performance.</li> <li>Demonstrated ability to source and produce new business.</li> <li>Excellent analytical and negotiating skills.</li> <li>Excellent verbal and written communication skills and the ability to organize and deliver presentations.</li> <li>Strong time management practices, a sense of urgency to meet deadlines.</li> <li>High level of technical expertise.</li> <li>Experience with business law basics and loan documentation.</li> </ul> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 14.75pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p> <p style="margin: 4.25pt 0in 0pt;">&nbsp;</p> <p>&nbsp;</p>