Relationship Manager

Summary/Objectives: The Relationship Manager II (RMII) originates loans and promotes the financial institution's lending services to help customers achieve their financial goals. The RM II helps identify and serve the community’s financial needs through various types of loan counseling, sales meetings, and participation in and promotion of the financial institution’s community. RMIIs are responsible for building, developing, and managing new and existing relationships with business clients, delivering financial expertise to foster long-term relationships.  

Essential functions:

• Solicit loans and inform prospective clients of the financial institution’s underwriting guidelines and applicable government regulations. 


• Interview all loan applicants


• Screens loan requests based on financial institution policies and types of loans the institution offers.


• Reviews new legislation and regulations that may affect the financial institution’s lending policies.  Ensures compliance with the new rules by advising senior management and implementing changes


• Communicate complex approvals or denials to the borrower, agent, or builder clearly and concisely.


• Actively participates in local business and community activities and closely contacts local builders, brokers, agents, attorneys, CPAs, customers, and prospects.


• Manage a loan portfolio according to experience, complexity, and loan type. Size and scope are determined by various servicing factors, including documentation exceptions, past-due loan management, problem loan management, and the ability to deliver the expected level of customer service.


• Prepares written analyses, which include credit investigation of the borrower and guarantors, economic and market conditions related to the company, industry, and market area, in-depth historical financial analysis, and in-depth analysis of the secondary sources of repayment. 


• Navigate new software or templates for credit underwriting and coordinate with other lending staff to ensure consistency and adherence to established policies and procedures.


• Evaluating real estate holdings of borrowers through review of appraisal reports, environmental reports, construction plans, permits, and title review, and


• Performing pro forma analysis for the subject collateral property to assess the degree of risk involved in issuing and extending credit


• Determining whether all ratios and overall risks fall within the Bank’s policy guidelines to recommend credit extension


• Remaining informed of financial and market trends in the portfolio and analyzing the impact of those trends on the portfolio


• Collateral analysis – ensures the market value of collateral by securing loans through internal or external sources. 


• Ratio analysis – compare trend analysis of the business’s historical performance to the industry. 

• Review loan documents for compliance and accuracy


• Respond to customer inquiries and resolve problems on behalf of the officer


• Conducts new loan reviews, facilitates modifications per loan policy, reviews transactions, processes wires, and any third party on transactions (FSA, SBA, USDA, or others)


• Demonstrates initiative by proposing ideas for implementation to improve processing efficiency and/or quality and proactively communicates ideas/alternatives, which may enhance and/or resolve operations issues.


• Provide support in your capacity to lenders


• Request and compile all necessary documents for loan document preparation and filing, including loan titles, flood evaluations, and appraisals.


• Order loan documents by the approved credit memorandum


• Once the loan is approved, loan documents are requested to originate loan fees


• Present loan requests to the branch loan committee and others as needed


• Attend closings with borrowers


• Gather and organize information needed for generating reports


• Provide continuing lending support to clients, including but not limited to monitoring customer accounts and loans and performing maintenance within policy per borrower’s request


• Monitor past-due reports and communicate with the borrowers accordingly

• Provides a written analysis and recommendation that includes a list of strengths and weaknesses of credit, including approval, denial, or alternative structure.


• Communicating with potential borrowers to collect relevant financial information from the borrower


• Assist in the production of monthly, quarterly, and annual department performance reports for senior management


• Assist in preparation for the Branch Loan Committee, Senior Loan Committee, external audits, and regulatory examination


• Identify accounts for further review and, if necessary, report any unnoticed delinquent accounts


• Monitor and collect loans, including liquidation.


• Cross-selling, deepening relationships, and acquiring new customers.


• Lead generation and deploying sales strategies.


• Help to grow the deposit relationships.

• Actively participate in customer, community, and public relations activities to increase the bank’s visibility and enhance new business opportunities.

• Additional duties as assigned as they relate to the position.

Competencies:

• Knowledge of bank policies, procedures, and regulations


• Knowledge of core systems to process documentation, loans, and accounts.


• Attend training on bank/job-related topics.

• Detail oriented

• Ability to work both independently and as part of a team

• Candidates must be able to relate to clients and coworkers effectively


• Candidate must always act professionally


• Handling confidential information and maintaining privacy


• Proficient in Microsoft Office Suite (Word, Outlook, PowerPoint, and Excel)


• Computer savvy: able to learn new software quickly


• Self-motivated and persistent in following through and learning quickly


• Excellent communication skills – both verbal and written


• Problem solver


• Independent decision-makers within authority limits


• Commitment and continuous demonstration of ethical behavior and willingness to adhere to all company policies and current financial legislation.


• Conform to the Bank’s core values, which are:

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  • Exceptional Customer Service- Everyone matters, always.
  
  
  • Family Driven- Ours, yours, we put family first.
  
  
  • Community-Focused- Our communities are the backbone of our business.
  
  
  • Communication- Open, clear, and honest communication is key.
  
  
  • Teamwork- Individuals working together to achieve a common goal
  
  
  
  

Education/Qualifications:

• Bachelor’s degree in business, Finance, Accounting, Real Estate, or a related field, plus relevant lending experienceor an equivalent combination of education and experience demonstrating the required knowledge and skills.

OR

• A High School Diploma or equivalent with five years of lending experience is required.

Supervisory:

This position does not have direct supervisory responsibilities and may serve as a mentor for other positions in the organization.

Working Conditions:

• Normal office environment.


• While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle, and feel objects, reach with hands and arms, and talk or hear. The employee must occasionally lift and/or move up to 25 pounds or more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus


• Multitask in an open office environment, where noise from conversations, office machines, and other distractions may be present.


• Keep track of assigned tasks


• May occasionally be exposed to upset customers during everyday activities or work under stress caused by anxious or impatient customers.

First Northern Bank is committed to equal opportunity for all, regardless of race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or other protected characteristics.  First Northern Bank will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business.  If you are interested in applying for an employment opportunity and need a reasonable accommodation pursuant to the ADA, please contact us at 307-684-2211.

*The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

This document describes this job's general content and performance requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or needs and does not imply a contract.