Bank – Commercial RM

About the job

WHY WORK WITH US

We have a deep professional commitment to our clients and take pride in providing superior service to meet their unique financial needs. You will have the opportunity to work with incredible co-workers, along with continued learning and educational opportunities. Professionalism, mutual respect, and a sense of humor are traits we value and exhibit. If you are looking for a place to prove yourself in a rewarding work environment with a company that believes a great culture is the key to success, we just might be the place for you. Come grow with us!

SUMMARY

Idaho Trust Bank is looking to hire a SVP, Relationship Manager. This person will be a part of a team of professionals responsible for attracting, growing, and retaining a designated portfolio of high net worth customers for the Bank. Requires direct day to day contact with customers in various capacities, understanding their unique needs and requirements, and providing comprehensive banking solutions specifically tailored for each customer.

PRIMARY RESPONSIBILITIES

• Generate and sustain a pipeline of prospective banking relationships by meeting with business owners, controllers, CFOs, attorneys, CPAs, and other centers of influence.
• Be active in the community and represent the bank at various trade functions and events.
• Business Development for Commercial Loans, Business Loans and Private Banking Loans
• Business Development for Business Bank Accounts and Individual Bank Accounts (deposit selling)
• Cross-sell cash management and other deposit products and services to achieve bank goals.
• Effectively collaborate with credit analysts and others in the credit approval chain to grow the commercial banking loan portfolio as well as maintain good asset quality.
• Present written and verbal presentations to the bank’s loan committee.
• Respond to the client’s needs, resolve problems, and coordinate solutions with other departments of the bank.
• Monitor existing portfolio, including managing overdrafts, past dues, monthly borrowing bases, problem loans, to adequately protect the bank and limit loan policy exceptions.
• Work with other internal departments to successfully complete the sales cycle.
• Strong ethics and in alignment with all applicable banking laws and regulations.
• Interacts with senior management team members to continually recommend new/better ways to generate new commercial accounts.
• Ability to work through complex problems and provide solutions as needed.
• Other duties as assigned.

THE SKILLS WE ARE LOOKING FOR

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• Bachelor’s degree (BA) from a college or university, at least 5 years Commercial and/or Private Banking experience.
• Advanced knowledge of Commercial Lending, Business Lending and Private Banking Lending.
• Strong credit skills with an understanding of bank ratios, loan covenants, and loan policy.
• Excellent communication (oral and written), including the ability to negotiate terms and conditions with prospective clients.
• Knowledge of SBA financing (7a and 504) a plus.
• Understanding of cash management products and services.
• Strong computer skills, including Microsoft Excel, Word, and Outlook.
• Outstanding organizational skills, problem-solving abilities and time management skills.
• Provides clients with courteous, friendly service, which exceeds their expectations while processing transactions promptly, efficiently, and accurately.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with minimal or no supervision while performing duties.
• Current driver’s license and a vehicle with appropriate insurance coverage is required to drive in the course of performing assigned duties and responsibilities

BENEFITS WE OFFER

• Hybrid Work Schedule
• Competitive Pay
• Paid Time Off (PTO)
• Paid Holidays (11 of them!)
• Medical, Dental, & Vision
• 401K
• Life Insurance
• Transportation Stipend
• & Many More