Sr Relationship Manager, MM (US)

Overview

Subject matter relationship executive role with deep credit skills and prior experience working with companies $100mm - $2B in review in the Waste Management Industry. The organization is creating a dedicated Industry Team with an initial focus on Waste Industry Companies, including residential and commercial waste collection and likely owning landfills (privately held and/or privately equity owned). Location is flexible.

Hours: 40

Compensation: $220,000.00 - $250,000.00 USD (base pay may vary based on skills and experience, job-related knowledge, geographic location, and other business and organizational needs).

Responsibilities

• Lead the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize growth opportunities.
• Independently develop new business for prospects with the largest and most complex credit needs in the assigned portfolio segment.
• Maintain and/or establish the largest portfolio segment and geography to support growth goals (loans, deposits, fees), including development of new customer relationships, cross-selling to existing customers, and leveraging an established network of resources.
• Facilitate larger transactions and relationships referred to Commercial relationship management according to prescribed bank parameters.
• Make calls independently and invite less experienced relationship managers to participate as a development opportunity.
• Coach, train, develop, and contribute to team leadership for less experienced relationship managers.
• Participate in sales calls, gather financial and general business information, and explain products and services offered.
• Negotiate terms and conditions within parameters defined by credit decisions; finalize loan agreements and close sales.
• Contribute input to the loan decision process based on evaluation of credit risk and other key factors from Credit Management.
• Assist with issue resolution (including delinquencies and problem credits) and support credit support and product partner activities aligned with the regional strategy.
• Develop a clear retention plan for assigned portfolio deposits and loans within the specified territory.
• Generate referrals across bank business partners to meet comprehensive financial needs of entrepreneurs and borrowing entities.
• Meet regularly with internal referral sources to establish business relationships and develop a network of outside referral sources for new business.
• Build broader knowledge of commercial and small business, and other products and services, including loan policy, documentation, structuring, and regulatory requirements.
• Maintain frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts.
• Develop community relationships through CRA initiatives and membership in civic and professional organizations, including active participation in networking events.
• Prepare and submit reports, including management reports summarizing individual and team loan activity.

Requirements

• 4 year degree or equivalent experience.
• 10+ years related experience.
• In-depth understanding of commercial industry, business development techniques, and credit decisions.
• Proven business development track record, including the ability to conceptualize and implement effective new business strategies.
• Extensive network of outside referral sources.
• Excellent credit and financial analysis skills.
• Refined negotiation skills.
• Proven communication skills (verbal and written).
• Proven PC skills.
• Demonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loans.
• Demonstrated experience in syndicated loans.

Preferred Qualifications

• Demonstrated experience working with Waste Management Industry companies $100mm - $2B in review.
• Demonstrated experience lending in environments involving privately held and/or private equity owned landfill and waste collection businesses.

Compensation & Benefits

• Base pay range: $220,000.00 - $250,000.00 USD.
• Total Rewards package may include base salary and variable compensation/incentive awards (eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan), plus health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Location

• Charlotte, North Carolina, United States of America

Travel & Physical Requirements

• Domestic travel: Occasional
• International travel: Never
• Performing sedentary work: Continuous
• Performing multiple tasks: Continuous
• Operating standard office equipment: Continuous
• Concentrating for long periods of time: Continuous

Work is primarily office-based and involves tasks such as sitting (continuous), with some occasional walking/standing and occasional reaching forward. Lifting/carrying over 25 lbs. is never.

Compliance & Accountabilities

• Follow compliance/risk and control programs and apply the principles outlined in the Risk Appetite statement.
• Maintain knowledge of business strategies, programs, and practices.
• Ensure ongoing compliance with internal/external audit and regulatory requirements.
• Provide prompt and comprehensive responses to external audit, regulator, and compliance requests and findings; maintain appropriate records of action plans.
• Successfully complete required job-specific, compliance-related training.

Equal Opportunity

The organization is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran, or any other characteristic protected under applicable federal, state, or local law.

Applicants with disabilities who need accommodations to complete the application process should request support through the appropriate workplace accommodations program.