The Underwriter / Relationship Manager’s primary purpose is supporting the Group Manager in managing a portfolio of clients with their strategic and daily relationship needs to deliver top-notch customer service. S/he will work closely with various internal teams to execute client requests in an efficient and effective manner. The RM will collaborate with the Group Manager to increase new relationships of the Bank through a team approach to meet the credit and relationship needs of clients. The Relationship Manager will be responsible for but not limited to the following activities.
Primary responsibility for this position will be that of supporting the Group Manager in the servicing of current Bank relationships resulting in efficient delivery of credit and other bank services, introduction to cross sale partners and active portfolio management. Additionally:
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Serve as one of Client’s primary internal resource as it relates to relationship and credit needs.
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Interact with other team members to achieve ultimate approval for new business and modifications to existing business, including active participation in and adherence to requirements of pre-screen and loan committee meetings.
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Ensure consistency in deal structuring to bridge client needs to appropriate risk mitigation through detailed analysis and underwriting of credit.
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Present loans for credit approval, and any necessary pre-meetings.
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Join Group Manager in meetings with the client, including any necessary site visits.
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Collaborate with Group Manager as part of a team to ensure delivery of top-notch client service.
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Complete necessary analysis and documentation to achieve credit actions related to RM’s existing portfolio (e.g., waivers and modifications).
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Assist portfolio managers with portfolio responsibilities including portfolio reviews, renewals, and reporting in a timely manner (quarterly and annually), for credits in his/her portfolio. Take a lead role in preparation for portfolio review meetings and will actively communicate knowledge of the risk points within portfolio.
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Responsible and accountable for the risk rating accuracy and risk identification on assigned portfolio. Seek to actively keep informed of changes to policy and procedure that will impact portfolio (credit policy, risk rating framework, regulatory, compliance requirements).
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Quarterback to drive deals through the underwriting and closing process.
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Negotiate legal documentation related to transactions.
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Maintain active involvement in industry events to maintain current market knowledge and client relationships.
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Expertise in credit structure, underwriting, and negotiation. Able to work independently.
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Take the lead in production of necessary work product to facilitate credit actions (loan production packages, etc).
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Mentor junior colleagues.
