Stillman Bank

Account Manager

• Originate and develop new commercial lending relationships through prospecting, referrals, centers of influence, and community involvement
• Maintain and expand an assigned portfolio of commercial relationships
• Identify lending, deposit, and other banking opportunities
• Evaluate borrower financial performance, repayment capacity, cash flow, guarantor support, collateral, industry conditions, and transaction risks
• Structure, negotiate, and recommend C&I, commercial real estate, and other commercial credit facilities
• Prepare or oversee credit presentations and loan approval recommendations
• Coordinate documentation, closing, and ongoing portfolio administration
• Monitor borrower performance, covenants, collateral, financial reporting, and risk ratings
• Identify emerging credit concerns and take timely action
• Manage assigned criticized, underperforming, nonperforming, and problem commercial loan relationships
• Develop, negotiate, and implement workout plans, including restructurings, forbearance agreements, repayment arrangements, collateral liquidation, foreclosure, bankruptcy, note sales, and other exit strategies
• Analyze borrower, guarantor, and sponsor financial information and collateral positions
• Monitor action-plan milestones, payment performance, covenant compliance, collateral protection, and credit quality
• Coordinate with borrowers, guarantors, legal counsel, accountants, consultants, participant lenders, and other stakeholders
• Review commercial loan documents and work with counsel on enforcement, litigation, receivership, bankruptcy, foreclosure, and recovery matters
• Prepare and present problem loan reports, credit analyses, action plans, and recommendations to senior management and committees
• Partner with lending and credit personnel to identify deteriorating credits and guide remediation strategies
• Mentor less experienced lenders and credit personnel
• Adhere to Bank credit policies, loan approval authorities, documentation standards, regulations, and compliance requirements
• Perform other duties as assigned

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Senior Commercial Relationship Manager