Small Business Loan Relationship Manager

Company: Tompkins Community Bank
Location: Brewster
Posted on: May 21, 2023

Job Description:

Responsible for all aspects of relationship management of small business loan customers within designated regions; achieve goals as established in the assigned department's annual operating plan; coordinate work within the unit or department, as well as with other units or departments; comply with operating policies and procedures; communicate with appropriate personnel; respond to inquiries or requests for information; maintain appropriate records and providing assigned reports.Responsibilities:Responsible for managing all aspects of small business lending relationships, within designated market, of which the following are illustrative:Prospecting, business development and selling and cross-selling.Negotiate and structure commercial loans and mortgages under the Bank's Small Business Lending programs.Submit sponsored loan proposals to Credit Underwriting.Monitor sponsored loan packages through the closing process.Oversee the maintenance of the regional small business loan portfolio.Establish strategies designed to increase regional volume (deposit and loans) and regional portfolio growth.Coordinate sales and product training activities with assigned retail bank branches, visiting the branches, participating in joint sales calls and sales meetings and other branch support activities.Send adverse action notices and counter offer letter for denied applications.Maintain an up-to-date working knowledge of all State and Federal regulatory guidelines applicable to small business lending.Perform special projects as required.Achieve goals assigned by Commercial Lending Department as part of the assigned department's annual operating plan.Maintain a thorough knowledge of the features and benefits of all Company commercial credit products and services, in order to ascertain customer needs and to sell in conjunction with these needs.Promote and cross-sell all bank services whenever opportunities arise and in accordance with established policies and procedures.Assist customers in obtaining specialized services from other departments as necessary.Maintain working knowledge of loan documentation procedures.May attend sales and trade meetings as the Company's representative to develop new business and to gain information and leads on prospective accounts.Responsible for early detection, reporting, and monitoring of problem credit. Responsible for quality of own loan portfolio.Establish and grow COI network to identify individuals and organizations likely to produce referrals and develop relationships to increase the referral flow.Actively employs strategies to expand business banking customers relationships by identifying their needs and maximizing opportunities.Coordinate specific work tasks with other personnel within the unit or department as well as with other units and departments in order to ensure the smooth and efficient flow of information.Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company's adherence to outside regulatory requirements.Communicate with management and staff personnel in order to integrate goals and activities.Maintain appropriate records and provide assigned reports.All other duties as assigned.Qualifications and Education Requirements:A Bachelor's degree or equivalent professional experience in a related field, preferred.A minimum of five (5) years' experience of small business lending, branch management or commercial credit.Moderate interpersonal relations and communicative skills.Comprehensive knowledge of current lending and banking regulations, procedures, and operations.Knowledge of various software applications and programs.Proficient ability to analyze and interpret financial statements.Equal Employment Opportunity/Affirmative Action Employer Tompkins Financial Corporation is committed to the hiring, advancement and fair treatment of all individuals without regard to race, color, creed, religion, age, sex, national origin, disability, veteran status, marital status, family status, gender identity or expression, sexual orientation, and genetic information, or any other protected status in accordance with applicable federal and state laws.

Keywords: Tompkins Community Bank, Danbury , Small Business Loan Relationship Manager, Executive , Brewster, Connecticut