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Commercial Relationship Manager II

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Commercial Relationship Manager II- CI

Location: Kennebunk, Maine

What does a Commercial Relationship Manager do?

Under the direct guidance of the Commercial Lending Market Manager and in accordance with established policies and procedures, the Small Business C&I Lender is responsible for developing and servicing a portfolio of business and individual loans that range from low to moderate complexity in nature. Loan production will focus on working capital lines of credit, equipment and owner-occupied real estate in relationship to commercial, industrial businesses and professional offices. The use of government guaranteed lending products will be utilized as appropriate to enhance credit quality and determine solutions to customer needs. Though this position is not limited solely to C&I lending, the majority of new loan production should center on the prescribed areas. New loan origination threshold is generally less than $2,000,000 per loan for this position.

Essential Functions (3)

  • Business Development:  Responsible for originating new business lending relationships and maintaining existing lending relationships within the assigned portfolio
  •  Referrals:  Routinely refers other business lines’ products and services as appropriate
  •  Asset Quality:  Responsible for maintaining the asset quality of assigned relationships based on loan policy guidelines and approved lending practices

Other Duties and Responsibilities

  • Promotes the Kennebunk Savings Brand by recommending our products and services, supporting our community focus & commitment to being a premier employer
  • Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations
  • Consistently emphasizes the importance of teamwork in the department and company at large
  • Responsible for keeping abreast of company news and information
  • Responsible for completing required training and policy review
  • May serve on various committees
  • Willingness to take on additional tasks and duties

Desired Certifications & Licenses

  • Not applicable

Desired Knowledge, Skills & Abilities

  • Understanding of Small Business loan structures and underwriting criteria
  •  CRM and CLOS proficiency
  • Ability to prospect for new customers and Centers of Influence, as well as maintain a disciplined networking/calling routine
  • Prior knowledge of government guaranteed lending programs preferred
  • Displays a high level of trust, integrity and confidentiality
  • Proficient in Microsoft Office products
  • Displays strong written and verbal communication skills
  • Displays strong organization skills and the ability to multi-task to meet established deadlines
  •  Demonstrates a high level of accuracy and attention to detail
  • Effectively uses analytical skills to solve technical, as well as, non-technical problems
  • Prior knowledge of regulations within the financial services industry is preferred
  • Ability to adapt to change

Desired Job Experience

  • 3-5  years of C&I lending, government guaranteed lending or general commercial lending preferred
  •  Experience in a professional, service focused and fast-paced environment

Desired Education

  • High school or General Education Diploma required
  •  Associate’s or Bachelor’s Degree in a related field preferred

Working Conditions/Minimum Physical Requirements

  • Physical surroundings are generally pleasant and comfortable with minimal exposure to injury or other hazards
  • Dexterity of hands and fingers to operate a computer and other office equipment
  • Lifting and moving of moderately heavy objects on occasion
  • Normally seated for extended periods of time

Other details

  • Job family: Banking
  • Pay Type: Salary
  • Job Function: Commissioned Sales
  • Travel Required: No
  • Required Education: High School Diploma

External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act, or Maine/New Hampshire Human Rights Commissions, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case-by-case basis.