Relationship Manager I

• Work in conjunction with assigned offices to service current business relationships and develop new business relationships with existing customers by profiling and maintaining the relationship, contacting them to determine banking needs, selling the full range of financial products and services that meet identified needs, resolving poor performance and other types of problems in order to enhance existing business relationships and contribute to the bank’s profit and growth objectives.
• Develop and administer a portfolio of loans that meet or exceed the bank’s credit quality, profitability, growth and service objectives by making sound credit analysis of the customer’s financial condition and ability to repay in accordance with established policy and procedure while providing excellent customer service in meeting customer financial needs and contribute to the bank’s profit and growth objectives.
• Prepare loan work-ups by analyzing the customer’s credit needs, writing narrative, defining financial status, calculating customer profitability, management capability, industry trends, identifying and addressing risk factors and calculating cash flow in accordance with established guidelines and procedures and otherwise complete the work-up and annual trend analysis for the Loan Committee in an accurate and timely manner in order to obtain approval to make the loan and meet the quality goals established by the bank. 
• Maintain a proactive customer call program personally and jointly with the offices served by using referrals and other methods to identify potential customers, making cold calls, promoting quality products and services and the bank’s image at professional organizations, community events and other activities where potential customers can be found within limits of current budget, mix of products and services, and time as measured by the amount of new business acquired in order to develop new business relationships and contribute to the bank’s profit and growth objectives. 
• Submit reports including reports on business development activities and reports on emerging or potential problem loans in an accurate and timely manner in order to keep management informed of business development activities, problem loans and other information.
• Service loans and resolve problems by working with Credit Administration and Loan Operations personnel to clear exceptions, assemble credit files and resolve problems to the satisfaction of the examiners and management in order to ensure a portfolio of quality and profitable loans.
• Develop and maintain a personal program for maintaining an adequate level of knowledge in lending, asset management and other banking matters, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

• General knowledge and understanding of lending laws and regulations.
• Specific knowledge of the bank's lending policies and procedures.
• Specialized focus/experience in agriculture.
• Ability to determine payments, insurance costs, ratios, et cetera.
• Proficient in Microsoft Office Suite and related program software.
• Proficient with or the ability to quickly learn position-related software.
• Good communication and interpersonal skills and an ability to make presentations.
• Excellent customer service skills.
• Bachelor’s degree in business or banking, or equivalent educational experience. (preferred)
• Three-plus years of commercial lending experience. (preferred)
• Successful business development experience. (preferred)
• Experience in community and civic activities. (preferred)

Our goal is to support the growth of the communities we serve. First Citizens has a knack for hiring the finest and brightest employees; we understand how fostering their growth builds loyalty and impacts customer service. Our employees are our strongest asset. So, we accommodate families, invest in our employees' future, and recognize hard work. 

First Citizens Community Bank is committed to equal employment opportunity and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.

BENEFITS: Comprehensive benefit package to include:

• Health, dental, and vision benefits
• 401K w/ company match
• Paid time off; paid holidays
• Group and voluntary life insurance and disability insurance
• Aflac supplemental plans
• Employee Assistance Program