SVP | Commercial Banking

Position : Senior Vice President, Commercial Banking

Compensation : $200k - $300k base salary + annual bonus.

Summary : Develops new customer prospects and business with commercial clients, with the potential to manage a portfolio of commercial clients. Makes and services a wide variety of business and individual loans to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality. Manages complex accounts or has an assigned market region of a complex nature.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Maintains a client portfolio for the bank
• Expand existing client relationships which generate incremental revenue for the bank
• Develop new client relationships which generate acceptable returns for the bank
• Work with the Management and Underwriters to analyze the credit strengths and weaknesses of
• prospective borrowers and make loan decision recommendations
• Work with Management to make recommendations on loan pricing which are competitive with
• the marketplace and achieve an acceptable return for the bank
• Work with Management to structure loans (term, covenants, collateral, guarantees, etc.) which
• appropriately protects the bank
• Work with Management to recognize client needs and matching the bank's capabilities to meet
• these needs
• Work with Management on loan structure, pricing, and other product / services for clients
• Maintain a thorough knowledge of bank's lending policies and regulatory requirements
• Provide mentoring and training to other bank associates
• Maintain proper house-holding of relationships
• Continually upload financial information and client detail into central repository throughout the
• underwriting process.
• Gather financials for new and renewal opportunities with clients.
• Prepare Opportunity Memos (with Management) as needed for new and renewal requests to
• initiate underwriting process.
• Work directly with the underwriter to ensure accurate reflection of financials
• Work directly with the underwriter to ensure accurate preparation of Loss Given Default,
• Probability of default and Risk Adjusted Return on Capital models at time of new / renew
• requests.
• Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit
• Officer, and Underwriter
• CRM and Under Writer work together to appropriately ensure accuracy of underwriting package.
• CRM and Under Writer work together to appropriately ensure accuracy of underwriting package.
• Create / Prepare term sheets, with Management supervision.
• Finalize term sheets to meet client and bank needs
• Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team.
• May assist International Operations manager with the daily activities of the department and specialize in Letters of Credit.
• Builds and maintains a portfolio mix of targeted high value and high potential clients.
• Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial
• planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information / products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value.
• Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer. Create / Prepare Commitment Letter with Management supervision
• Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed.
• Responsible for reviewing closing documents
• Responsible for communication with client
• Identifies portfolio weaknesses and trends and alerts management (Group Manager, Market
• President, Senior Credit Officer) to deteriorating portfolio conditions
• Ensure receipt of all financial and covenant requirements of client relationships, managing
• exceptions as dictated by policy.
• Annual Review of client relationships as dictated by policy.
• Annual Risk Rating of client relationships as dictated by policy. This role is responsible for
• completing of Loss Given Default and Probability of default models for on-going annual portfolio
• management.
• Ensures client adherence to covenants with review of calculations, key provisions, and
• recommendations according to policy.
• Performs all other duties as assigned