Job Description
Position Summary
The Relationship Manager is responsible for originating a profitable portfolio of commercial and business loans, with the overall objective of increased asset quality, and to develop new business relationships while expanding individual business portfolios. The Relationship Officer will cross sell the entire bank and work with business line partners to service and expand relationships.
Essential Functions
- Must consistently maintain a loan pipeline that would ensure that they reach their annual goals.
- Calls on prospective or existing customers to develop new business and to expand current portfolio.
- Performs necessary research regarding the client’s business, including analysis of financial statements. Maintains proper risk rating on assigned credits.
- Communicates bank loan decisions to client, closes commercial loans and services client’s ongoing financial needs. Presents opportunities to appropriate loan committee based on loan.
- Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees.
- Maintains customer confidence by keeping loan information confidential.
- Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
- Assures timely loan closing and funding activities.
- Effectively manages portfolio to ensure compliance with terms and reviews of all accounts including past due.
- Promotes and cross-sells other banking products and services as appropriate to customer requirements.
- Maintains consistent referral relationships with COI’s.
- Must understand and address all bank regulatory requirements.
- Assumes additional responsibilities as required by the position.
Safety & Security
- Follows all Bank safety and security policies and procedures and works in a responsible manner so as not to create a hazard to oneself or others; maintains confidentiality at all times when dealing with customers’ financial records and personal information
Quality
- Maintains a quality mind-set at all times to ensure for the delivery of best-in-class products and services, and unsurpassed customer satisfaction
Customer-Focus
- Delivers a world-class experience for our customers by bringing passion, dedication and integrity to the job every day
Non-Essential Functions
- Maintains a neat, orderly, and organized work area at all times
- Performs other related duties, as assigned
- May be temporarily rotated to other positions within and outside of home department in order to meet organizational needs
Education & Experience
- Bachelor’s Degree in Finance, Economics or a related field, preferred.
- Five plus years’ experience as a Commercial Lender or similar banking role.
- Personal computer skills – Excel, Word, industry specific software skills is essential.
Knowledge, Skills & Abilities
- Excellent interpersonal skills, including strong written and oral communication, and keen listening skills.
- Must be an energetic, self-starter, who is able to work in a fast-paced and constantly changing environment.
- Proven sales skills.
- Strong forward planning, analytical and strategic thinking skills.
- Ability to work in a goal orientated environment.
- Demonstrated commitment to community involvement or community-based services.
- Ability to work well with other associates.
- Relationship management skills for key commercial, small business and personal relationships.
Physical Requirements
- Frequently required to use hands and fingers to handle, feel or operate equipment, and reach with hands and arms
- Frequently required to talk and hear; frequently required to stand and walk
- Occasionally required to climb, balance, stoop, kneel, crouch, bend, twist, and crawl
- Occasionally required to lift, push, pull and/or move up to 25 pounds
- Specific vision abilities required include: close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus
Job Tags
Full time