Commercial Relationship Officer

Position Purpose:

Responsible for business development and growth of commercial loan and bank products, plus management of a loan portfolio comprised of small to medium size loans.

Job Duties and Responsibilities:

• Build relationships while interviewing loan applicants to gather information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Develop and manage commercial and consumer loan portfolios including maturing loans, past due loans, exceptions and deposits.
• Make decisions on loans and terms if within own lending limits or make recommendations to the Executive Loan Committee when necessary.
• Analyze loan requests and develop written proposals to the Executive Loan Committee.
• Ensure timely delivery of technically accurate spread sheets, loan monitoring activities, and annual exposure reviews to facilitate a sound credit portfolio.
• Manage maturing loans, past dues, exceptions, and deposits of the portfolio.
• Coordinate the origination and closing of loan requests.
• Ensure compliance to government regulations and bank policies.
• Network in the community to develop relationships and create new business opportunities including commercial and consumer loans, real estate loans, deposit products, investment products and treasury management products.
• Direct and assist support staff, as needed.
• Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships.
• Project a positive and helpful image to all customers of the bank.
• Complete annual training as required.
• Participate in bank/community activities.
• Other duties as assigned.

Skills and Abilities Required:

• Thorough understanding of commercial lending principles and practices as well as knowledge of government and compliance regulations.
• Advanced financial analysis skills, strong negotiation and sales skills.
• In-depth knowledge of credit analysis.
• Well-organized and good time management skills.
• Ability to build professional relationships with coworkers and customers.
• Excellent written, verbal, and presentation skills.
• Strong sense of initiative; self-motivated; work well without close supervision.
• Interpersonal skills with all levels of the organization to include coaching and management.
• Strong computer skills; proficient in Microsoft Word, Excel and Outlook.

Experience and Education Requirements:

• Minimum three (3) years of portfolio management experience.
• Bachelor’s Degree or equivalent of five (5) years of work experience.

Physical Requirements:

• Typically requires sitting for long periods of time with frequent keyboard/mouse usage and intermittent stooping, bending and walking.
• May occasionally lift up to 25 pounds which may include the need for independent mobility:  bend, reach, or kneel.
• Visual and auditory skills are required.

Performance Standards:

• Accuracy: Completeness of documents prepared.
• Responsiveness: Timeliness of completion of documents and responding to requests for information.
• Relationships: Ability to work well with others.
• Guidance: Ability to provide guidance by answering questions and training others.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets