Business Credit Relationship Manager II
First Financial Bank

Ohio, Ohio

Posted in Banking


This job has expired.

Job Info


We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

If you are interested and qualified for this role, we invite you to apply.

Responsible for generating, underwriting, and closing asset based loans to qualified existing bank clients, as well as managing a portfolio of assigned asset based loan relationships in adherence to bank policies and procedures and at all times in accordance with sound risk management practices. Responsibilities include: providing guidance to commercial lending regions in identifying existing bank clients that would benefit from an asset based loan structure, on-going client relationship management of assigned accounts, analysis and evaluation of client's financial and collateral performance, review of client's adherence to all aspects of the bank's loan documentation and credit approval conditions, timely communication and recommendation to management of client requests or negative developments, and the development of the client relationship in a manner that enhances the bank's ability to maximize new growth opportunities. The Relationship Manager I and II are members of the Business Credit team who assist the team in achieving its overall risk management, relationship management, and contributions to the Bank's growth objectives.

Essential Functions/Responsibilities:
• On-going client relationship development and maintenance including client on-site visits and periodic client telephone visits so as to maintain effective knowledge of the client's current and proposed business activities.
• Expands existing client relationships by proactively reviewing client's current and changing financial needs, and promoting products and services.
• Develop a comprehensive understanding of client's needs based on the review and analysis of personal and financial data in order to deepen current, profitable client relationships.
• Promotes and cross-sells other bank products and services as appropriate to customer requirements.
• Responsible for maintaining the credit quality of the assigned portfolio.
• Establishes and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Cooperates with the Credit Analyst in the completion of the loan approval form including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank and in obtaining appropriate approval for credit under consideration.
• In conjunction with the assigned Credit Analyst, reviews and evaluates monthly borrower financial and collateral performance, including spreading and analyzing financial statements and budgets, reviewing collateral trends, and verifying borrower compliance with all financial covenants and reporting requirements.
• Analyze client collateral activity, bank collateral/loan summaries and confirm reported activity reconciles to borrower financial statement performance.
• Integrate activities with the Collateral Monitoring Group in Credit Administration to ensure the Bank is aware of, properly maintaining, and otherwise pro-active in determining appropriate client collateral reserves, rates of advance, and other aspects impacting the Bank's collateral position.
• Prepare and actively participate in periodic portfolio reviews with management with the goal of reporting on borrower financial performance to underwritten expectations, key collateral trends, review the appropriateness of designated risk ratings, and other risk management and relationship management issues of importance.
• Continuously monitor the performance of existing loans opposite expectations and make recommendations for remedial action if necessary.
• Actively participate in the new deal process, including reviewing the CAR, field exam survey, attending the credit committee approval meeting, as well as initiating an introduction with the client personnel post-closing. The Senior RM will assume primary responsibility for the relationship post-closing including follow-up on post-closing items, receipt of cash collections by Bank, and orientation of new clients to Bank ABL reporting requirements.
• Coordinate the documentation of loan facilities with outside legal counsel to ensure and protect the Bank's rights and remedies to properly secure and collect the Bank's outstanding loans.
• Responsibilities include monitoring a portfolio of the larger, more complex relationships as well as potentially being a team leader for the group.
• Additional responsibilities may include special assignments involving loan policy, collateral monitoring procedures, ABL treasury management setup, and portfolio management procedures for the Business Credit group.


Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job:
• 10 years of banking experience with a minimum of 5 years in ABL or loan workout
• Master's degree

Preferred Knowledge and Skills:


Level of Complexity and Scope:


Degree of Independence and Decision-Making:


Required Supervisory Responsibilities:


Physical Requirements:
• Occasionally lifts and carries up to 10 lbs.
• Occasionally stands, walks and drives.
• Frequently sits.

Compliance Statement: The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.


This job has expired.

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