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Sr Commercial Relationship Manager - NorCal

Company: Umpqua Bank
Location: Normal
Posted on: July 13, 2019

Job Description:

In this role, you will initiate, develop and expand new and existing commercial business relationships with business portfolios from $10-$50 million in revenue. To be successful, you'll establish and maintain a "trusted advisor" relationship with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. You'll develop and grow new business and build/maintain strong relationships with prospects. As a relationship manager, you will drive financial performance through profitable revenue and growth and quality credit. Additionally, you may provide work leadership by assigning work and resolving problems. Functions Achieve individual annual production and growth goals for loans, deposits and fees to ensure the bank meets its overall financial targets and conforms to credit terms. Initiate and develop new business through outside business development activities. Ensure ongoing contact with new clients to enhance client's initial experience with Umpqua Bank. Develop a comprehensive understanding of client's needs, based on the review and analysis of personal and business financial data gathered through relationship reviews and personal meetings. Participate in ongoing relationship reviews with all clients. Actively participate in community organizations to source business development opportunities and demonstrates Umpqua's commitment to the local community. Build client referral pipeline via identification and development of internal and external center of influence. Develop and maintain an in-depth knowledge of products and services as well as knowledge of competitors and competitive products. Proactively promote and cross-market bank products and services, and keep client informed of special promotions. Partner consistently with other internal business partners to uncover opportunities to deepen the client relationship. Contribute to strategic level discussions with Executive Leadership team. Become the "person to ask" when difficult questions arise. Provide practical, relevant ideas and perspectives on processes or practice improvements which may be easily implemented. Ability to coach others by translating complex nuances into understandable terms. Responsible for credit and deposit needs for commercial banking and commercial real estate investment customers involved in ownership and/or operation of businesses or who invest in or develop real estate. Make decisions on loans and terms within established lending limits, or refers these issues to next appropriate level of authority. Analyzes credit to determine the ability of customers and prospective customers to qualify for ensuing borrowing requirements. Follow-up on current loans to ensure compliance with internal procedures and other required terms. Study industrial, commercial, economic and financial situations relating to new or existing business. Demonstrate compliance with all bank regulations that apply to your position, and keep up to date on regulation changes. Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations that apply to your position. Qualifications Bachelor's Degree or equivalent experience; Master's Degree preferred. 10+ years of relevant commercial lending experience and/or prior experience as a commercial credit underwriter. Extremely strong relationship management and business development abilities, analytical and problem-solving skills, strong sales skills, and credit and credit quality skills. Advanced knowledge of commercial C & I bank products and services that result in successfully capitalizing on all opportunities to cross-sell the bank's products. Proven track record of success and skills in developing new clients and business, including prospecting, sourcing and networking. Very strong credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience. Strong knowledge of bank's risk-rating system, credit products and underwriting policies. Knowledge of commercial lending policies, procedures, practices and documentation. Strong working knowledge with structuring credit products to medium size business in diverse industries with complex ownership structures. Experience with asset-based lending, capital structure finance and trade finance. Ability to train and present to small and large audiences. Physical Requirements and Working Conditions Work involves sitting, occasional walking, and lifting up to 10 pounds. Requires close visual acuity. Normal office environment and exposure to weather when visiting customer sites. Frequent local travel. No relocation offered. About Us We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank. Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

Keywords: Umpqua Bank, Normal , Sr Commercial Relationship Manager - NorCal, Executive , Normal, Illinois

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