沟通策略师
Commercial Real Estate Relationship Manager III
概述 本工作的目的是制定和管理符合既定贷款要求并最大限度地提高银行利率。根据银行政策提供投资组合维护和贷款管理。责任 ·信用机构内部投资组件管理和定价决策 ·向高级贷款委员会进行信贷批准的建议 ·交叉销售推 ·发展战略，包括展望清单的开发 ·向高级管理人员推促销赞助活动 ·通过高质量的贷款组合的维护来最大化部门的利率 通过电话计划吸引新的商业关系，并扩大现有商业关系 ·向经验不多的关系管理人员提供指导，并且可能管理 ·维护专业社区关系，包括领导角色，以提高银行可见性和新商业机会，以及进一步个人发展 ·批准或拒绝超过下属关系管理者的信用权限的贷款。资格 ·商业，金融，会计学或相应领域的士学位 · 经验至少10年经历管理商业贷款组合，销售能力/能力和业务发展记录已证明 · 对贷款单位利率相关的定价模式的知识 · 充分了解贷款和信用审批流程以及有关银行政策和外部法规 · 销售原则的知识 ·对信贷分析实践和程序的详细知识 · 提供金融服务机构提供的产品和服务的深入认识 · 强大的分析，判断和沟通能力 （口头和书面）· 应具备优秀的谈判和解决问题的技能 · 在此水平之前必须能够向客户管理层提交贷款承诺 · 必须具有高水平的分析技巧 · 必须拥有强而发达的人际关系技能 · 能够坚定地作出合理的商业决策，以服务于协会和借款人利益。
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Overview
The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies.
Responsibilities
- Portfolio management and pricing decisions within credit authority
- Recommendations for credit approval to Senior Loan Committee
- Cross-selling referrals
- Business development strategies, including prospect list development
- Recommend promotional sponsorships to senior management
- Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority for the largest and most complex portfolio within established limit
- Has a leadership role in the bank’s business development activities. Attracts new business relationships and expands existing business relationships through the call program
- Provides guidance to, and may manage, less experienced relationship managers
- Maintain professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal development
- Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits.
Qualifications
- Bachelor’s degree in business, finance, accounting, related field, or equivalent experience
- Minimum 10 years’ experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
- Knowledge of pricing models as it relates to profitability of lending unit
- Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
- Knowledge of sales principles
- Detailed knowledge of credit analysis practice and procedure
- In-depth knowledge of products and services offered by financial services institutions
- Strong analysis, judgment, and communication (oral and written) skills
- Should possess excellent negotiation and problem-solving skills
- Ability to present loan commitments to executive management of customers should be attained prior to this level
- Must possess a high level of analytical skills
- Must possess strong, well developed interpersonal skills
- Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
- Motivation and initiative are essential to this position
- Results-oriented, flexible, and demonstrated ability to prioritize work assignments
Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.
Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.
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Originally posted on Himalayas