Commercial Relationship Mgr - Greater Philadelphia Metro Area at Mid Penn Bank

Job description

A great company begins with a great team! Mid Penn Bank is actively seeking Commercial Relationship Managers to join our team in the Greater Philadelphia Metropolitan Area. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Our inclusive culture encourages all employees to share ideas, collaborate, and contribute to the values that make us a winning team for our customers, shareholders, and communities. Position Overview The Commercial Relationship Manager is responsible for achieving customer service and sales goals as established in the Lending Division’s annual operating plan. The person in this role will develop and manage the commercial and industrial loan relationships which are typically the largest and most complex. This individual will perform a variety of duties to meet the commercial services needs of business customers while complying with operating policies and procedures established for the commercial services function. Essential Duties and Responsibilities Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities. Serves as a member of the organization's sales team; makes group sales calls where these types of calls will improve the opportunity for new business development. Effectively utilizes the Customer Relationship Management program to track customer sales and service activities as well as cultivate prospective opportunities within the office’s market area. Maintains an active role in community affairs to improve the company’s visibility in the area; serves on various civic committees to increase company community involvement. Maintains a thorough knowledge of the features and benefits of all commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs. Assists customers in obtaining specialized services from other departments as necessary; provides help to customers with specific inquiries or service problems. Develops and manages commercial loan accounts which meet established lending requirements and which provide maximum profitability to the company with minimum risk. Requests applicant credit reports, background checks, reference checks, and other information pertinent to the loan applicant’s evaluation. Compiles loan packages and facilitates negotiation of loan structure with applicant; ensures loan agreements are complete and accurate according to company policy; assures timely loan closing and funding activities; approves loans within established lending authority. Maintains credit quality and portfolio administration within company guidelines including participation in the collection of delinquent accounts. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the company's compliance with all regulatory requirements; ensures that all office personnel adhere to the same. Manages risk by completing all mandatory compliance and regulatory training assigned by the stated due date. Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. Interviews loan applicants and collects and analyzes financial and related data to determine the general creditability of the prospect and the merits of the specific loan request; establishes and negotiates the terms under which credit will be extended, including the costs, repayment, and collateral requirement. Monitors individual sales per