Commercial Relationship Manager

The merger of REGIONS Financial Corporation and Union Planters Corporation created a regional force in the financial services industry. The new REGIONS Financial Corporation is one of the Top 15 financial services providers in the nation, with $84 billion in assets and a market capitalization of more than $15 billion as of September 30, 2004. Serving some five million customers across a 16-state geographic footprint in the South, Midwest and Texas, REGIONS is a full-service provider of retail and commercial banking, trust, securities brokerage, mortgage, and insurance products and services.

REGIONS, headquartered in Birmingham, Ala., opened a new chapter in its history as the new REGIONS when the formal completion of the merger with Tennessee-based Union Planters was announced in July 2004. The combination of these two companies, which both have been in business for 139 years, has created a new organization that draws on strong traditions of delivering superior customer service, focusing on the community and creating shareholder value.

We are currently in need of an experienced Commercial Relationship Manager for our Metro Banking Group in Jefferson, GA.

The CRM will be part of the Corporate Banking Segment and will serve clients with greater than $10 million in annual revenue and total related debt of $2.5 million or greater. The CRM will be responsible for the following:

· Managing existing commercial relationships and generating new business in the appropriate market segment.
· Retain and strengthen current relationships and seeks to develop new business.
· Develop strategies for maintaining and further penetrating existing accounts. Execute the strategy with calls, visits, needs assessment, customer qualification and meeting follow-up to maintain, enhance and expand customer relationships.
· Assist customers in analyzing problems and propose Union Planters solutions.
· Respond promptly to customer issues, questions and concerns.
· Analyze financial statements.
· Make financing proposals. Negotiate terms and conditions for loans, leases, etc.
· Actively cross-sell bank products.
· Interact with loan review.
· Exercise strong credit and pricing skills. Make both credit and pricing recommendations for credits above assigned authority and decisions for credits within assigned authority.
· Maintain community involvement.
· Sponsor loan requests through the appropriate credit approval process.
· Maintain and build account profitability with assigned clients, primarily by providing core banking products and services.
· Manage administrative tasks, including credit analysis and processing.
REQUIREMENTS
The successful candidate will have the following:

- Bachelor's degree or equivalent experience and education.
- 5+ years experience as a commercial relationship manager, with solid understanding of credit approval and underwriting processes.
- Possesses strong background and understanding of corporate finance and business acumen.
- Knowledgeable on and skilled in applying effective sales techniques.
- Skilled in organizing, facilitating, leading and negotiating with a team of bank personnel to solve customer's problems.
- Professional sales skills and experience, including planning, execution and follow-up.
- Strong customer needs assessment and problem solving skills.
- Demonstrates mastery of the spectrum of bank products including credit, international, cash management, corporate investments and leasing.
- Industry specific knowledge for targeting industries preferred.
- Skilled in organizing and leading involved sales initiatives, including generating complex, customized proposals.

Qualified candidates are invited to apply online at www.regions.com, reference #311175.

Salary commensurate with skills and experience.

REGIONS is an Affirmative Action Employer M/F/D/V.