Job Description

Job Description

Job Description

Commercial Banker- SMB

Staten Island, NY

Overview

The Small Business Relationship Manager is tasked with growing the Bank’s Commercial & Industrial (C&I) loan portfolio in the New York market. This role involves collaborating with Branches and Business Development Officers to handle commercial loan requests ranging from $250,000 to $750,000, while also driving new business opportunities and promoting Bank products through cross-selling.

Key Responsibilities

1. Oversee all aspects of lending, including prospecting, evaluating, underwriting, negotiating, and presenting loan applications, including those that are complex or require significant approval authority.
2. Guide and educate Branches and Business Development Officers on identifying viable commercial loan prospects and preparing comprehensive loan packages for approval.
3. Assess loan viability by evaluating borrowers’ financial health, operational performance, and repayment capacity using financial statements, collateral details, interviews, and relevant industry and economic data.
4. Authorize loans within the Bank’s established approval framework.
5. Develop and uphold lending and operational policies in alignment with the Bank’s standards.
6. Proactively manage client portfolios to optimize returns and maintain high credit quality through ongoing monitoring of assets, client performance, and regular client engagement.
7. Identify clients’ financial product needs and offer tailored banking solutions by cross-selling cash management and other Bank services, maintaining in-depth knowledge of all Bank offerings.
8. Stay informed about regulatory changes, legislative updates, and policy developments that impact the Bank’s operations.
9. Foster and maintain relationships with local influencers, including brokers, CPAs, real estate attorneys, and community leaders, to generate referrals and represent the Bank at community and civic events.
10. Visit business owners at their properties or locations for meetings, either independently or with Branches and Business Development Officers.
11. Conduct on-site inspections of commercial properties and construction sites.
12. Analyze technical data, environmental reports, and appraisals to evaluate properties effectively.
13. Review existing commercial and building loans to assess cash flow and financial viability.
14. Safeguard the Bank’s assets and portfolio quality by adhering to lending processes, policies, legal and ethical standards, audit requirements, and risk management guidelines.
15. Ensure full compliance with all applicable Bank policies and procedures.

Key Competencies

• Banking Product Expertise: Demonstrates strong knowledge of retail banking products and services, understands market dynamics, and shares insights with colleagues.
• Regulatory Awareness: Maintains a thorough understanding of federal, state, local, and Bank-specific regulations, policies, and guidelines governing business operations.
• Productivity: Consistently delivers high output, meets deadlines, manages multiple tasks efficiently, and prioritizes results and organization.
• Analytical Thinking: Processes large datasets to identify trends, breaks down complex issues into manageable parts, and gathers relevant information to provide actionable insights and solutions.
• Attention to Detail: Ensures accuracy and completeness in all tasks, meticulously verifies information, and maintains vigilance across all job responsibilities.
• Interpersonal Effectiveness: Exhibits a positive, approachable demeanor aligned with the Bank’s Code of Conduct, adapts communication style to suit diverse internal and external clients, and fosters strong professional relationships.

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