Works with Relationship Manager(s) in the Education & Non-Profit Division to manage assigned relationships and loan portfolio(s). The incumbent’s responsibilities include: analyzing financial data and preparing comprehensive written analyses, analyzing portfolio credit quality, assisting Relationship Manager in presenting credit requests to Credit Approval, identifying cross-sell opportunities with customers and making appropriate referrals. Higher levels have their own assigned client relationships and may also co-manage client relationships and portfolio credit quality with a Relationship Manager.
1. Works with Division manager on assigned tasks including marketing presentations, prospecting lists and referrals, gathering and analyzing competitive market information, product partner synergies and alignment, and compliance.
2. Works with Relationship Manager to manage assigned customer relationships, internally and externally.
3. Assists Relationship Manager with identifying prospects and opportunities with existing clients as part of U.S. Bank’s Building Deeper Relationships (BDR) initiative. May accompany Relationship Manager on customer/prospect calls.
4. Prepares and/or oversees the preparation of loan applications and supporting documents and loan information sheets for new and existing accounts as needed. Works with Relationship Manager in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing. Conducts credit investigations when necessary, including spreading and/or analyzing financial statements of potential and existing customers utilizing the bank’s accepted analytical credit criteria on as an needed basis.
5. Interacts with clients/prospects Acts as liaison between Relationship Manager and other departments, as required. Provides backup to client/prospect when Relationship Manager is unavailable.
6. Stays abreast of current market/industry news and events and participates in industry trade groups, etc.).
7. Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures. Actively participates in any required corporate and business line training in these areas. Follows account opening procedures and understands and follows internal suspicious activity referral requirements and processes, as required for this position. Actively works with customers to understand each customer's normal account activity, as appropriate for this position.
- Bachelor's degree, or equivalent work experience
- Five or more years of credit and sales experience in the financial services industry
- Strong sales and relationship management skills
- Thorough understanding of credit and collateral requirements
- Strong analytical and problem-solving skills
- Excellent presentation, verbal and written communication skills
New York-NY-New York
Other Locations CA-CA-Los Angeles, Missouri-MO-Saint Louis
1st - Daytime