Relationship Manager (Business Banker)

Job Summary

The Relationship Manager  is responsible for creating, developing, and managing banking relationships; originating commercial loans and developing deposit relationships; and ensuring exceptional client service while maximizing the profitability of client relationships and minimizing risk.   Also supports CRMs / Market President in managing and growing a portfolio of clients. This is an entry level relationship manager role. 

Responsibilities and Duties

• Develops new depository and loan customer relationships and builds existing portfolio with existing clients. Markets the bank’s loan, deposit, treasury and product partner solutions to existing and prospective clients.  
• Actively manages and maintains, on an ongoing basis, existing clients by monitoring the financial condition and business aspects of a group of customers and responds to clients’ daily and long-term banking needs. 
• Manages and expands existing portfolio by overseeing credit renewals, resolving problems and cross-selling other products with the assistance of product specialists.
• Meets with centers of influence, business brokers, CPAs, attorneys, real estate agents, business owners, senior executives, and others to evaluate and analyze their financial and business needs, and to provide advice to prospective clients. This includes developing a clear understanding of current and potential customers and their business strategies, loan purpose, risk assessments and mitigation of risk, indicated repayment sources through financial statements and asset evaluation.
• Works with leaders and credit officer to make determinations regarding the creditworthiness of prospective clients. This includes assessing the risks of proposed and existing loans based on multiple considerations, including the nature of the customers’ business, their financial history, whether there is sufficient collateral, future earnings potential, the total Bank obligation involved, expected cash flow and other factors as determined by the relationship manager to be pertinent. This includes reviewing, analyzing, and interpreting financial statements, accounting papers, income tax returns, Bank policies and governmental regulations. 
• Scrutinizes customer and potential customer information provided for evidence of irregularities, discrepancies, and fraud.
• Structures and proposes credits; negotiates, within guidelines, credit pricing, terms, and structures. Facilitates resolution of the credit approval process. 
• Monitors loan repayment activities and takes necessary action to collect from past-due accounts.
• May also assist with portfolios of other RMs or Market President including collecting financials, preparing loan documentation, coordinating renewals, and serving as second point of contact for client.
• Maintains comprehensive knowledge of the bank’s products, services and credit standards, trends in commercial banking pricing and products. 
• Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities.
• Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development.
• Ensures BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
• All other tasks, responsibilities, or duties, as directed by management.

Qualifications and Skills

• Bachelor's Degree (BA, BS, etc.) in Business, Accounting, Finance, or a related field preferred with a minimum of two (2) years of banking experience including exposure to lending, credit, and/or deposits.
• Exhibits effective sales and customer service practices and have a firm grasp on relevant legal issues and other necessary information.
• Maintains confidentiality of customer and employee information.
• Self-starter and able to work independently.
• Displays a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
• Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action.
• Flexible to adapt to changing business priorities
• Good interpersonal skills and communication with all levels of management
• Able to multitask, prioritize, and manage time efficiently
• Excellent verbal and written communication skills