• Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank.
• Actively works with customers and develops prospects consistent with the credit culture of the bank. Is pro-actively identifying and working with customers to ensure the credit quality standards of the bank.
• Develops relationships and support other CNB departments and colleagues to provided customers and prospects the solutions recommended. Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.
• Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry.
• Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts. Sets objectives for each relationship in terms of revenue contribution, etc.
• Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients' credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
• Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgement in approving transactions. Recommends approval when transaction size exceeds authority limits. Ensures the quality of all business introduced to the Bank.
• Review asset management and CNS Brokerage statements with clients. Partner with Wealth Advisor (WA) and/or the City National Securities (CNS) Investment Officer (IO) to communicate with clients about current conditions in the financial markets, investment alternatives, asset allocation and results, review asset management and brokerage account statements. Discuss changes to strategies with WA and or CNS IO.
• Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
• Interfaces with other Bank departments as necessary. Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction. Resolves all client needs and any internal issues.
• Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.
• Monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.
• Maintains awareness of competitive products, practices, rates and changes in market conditions.
• Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
• Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential
• Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).
• It is the individual responsibility of every employee to maintain a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply fully with those laws, regulations, policies and procedures.

Must-Have*

• Bachelor's Degree
• Minimum 2 years financial services experience
• SAFE Act Registration 

Skills and Knowledge

• This is an entry level position. With the guidance of senior relationship managers or team leaders, will services small business management relationships, commercial or private accounts whose lending needs are of minimal complexity. This individual accompanies a senior relationship manager or team leader on client and business development calls, and may participate as a member of a lending team performing the spreading and analysis of financial statements. The position has minimal loan authority. Leans to identify potential credit problems or operation risks and assure proper loan documentation. The emphasis in this position is on training and development in the following areas: credit structuring and analysis, maintenance and expansion of exists in portfolios, and cross selling. Responsible for completing internal training pre-determined for relationship management development. Usually possess a B.A, MBAS and/or 2-5 years of financial services experience.