Relationship Manager – Dealer Finance

Relationship Manager – Dealer Finance

Requirements

• A minimum of five years as a Commercial Relationship Manager working with small business or middle market accounts.
• Demonstrated success in business development and customer retention.
• Well-developed credit, analytical and financial acumen.
• Proven track record of building productive interpersonal relationships among all departments and working in a team environment, as well as independently.
• Strong organizational and time management skills to manage multiple priorities in a fast-paced environment
• Proven track record of meeting turn-around times and other service level agreements
• Strong sense of urgency and results orientation

Responsibilities

• Serves as trusted advisor to auto dealer clients and prospects functioning as the dealer finance industry expert.
• Possesses firm understanding of industry-specific commercial lending products, including floorplan, real estate and construction financing, working capital term loans, acquisition financing, and equipment loans and leases.
• In conjunction with their Manager, leads business development efforts for assigned auto dealer prospect base by developing a clear, concise understanding of their business strategy, markets and competition.
• Develops and implements strategies to retain and grow existing dealer relationships.
• Partners with all product specialists and Portfolio Managers to cross sell bank products and services consistent with the overarching relationship strategy.
• Responsible for completion of all documentation required to assess relationship profitability and document relationship contact activity.
• In conjunction with their Manager, leads and participates in the credit process to insure accurate and thorough underwriting, complete financial analysis, loan structuring and risk management.
• Maintains strong asset quality, through gathering and periodic review of dealer financial information, including audit reports and monthly dealer financial statements.
• Maintains strong functional/technical sales and credit expertise. Shares this knowledge with team members.
• Assesses dealership performance and maintains a dialogue with dealership management regarding the same.
• Supports Portfolio Managers and Underwriters in:
• Effectively communicating with Credit and Risk Management around issues including Risk Rating modifications.
• Creation and execution of risk management strategy for all assigned pass rated relationships in conjunction with their Manager, Credit and Risk Management.
• Working with credit partners or outside legal counsel, to identify and complete all legal and bank documents needed to fully comply with loan approval.
• In conjunction with appropriate support staff ensures all obligors are in full compliance with the terms and conditions of legal and bank agreements.
• Taking appropriate action to communicate non-compliance to Manager, Credit and Risk Management staff.
• Ensuring necessary steps are taken to address noncompliance with loan obligors.
• Most functions will be completed with some oversight from the individual’s National Sales Manager.
• Perform other duties as assigned.

Preferred Qualifications

No preferred qualifications provided.