Small Business Relationship Manager VP - Dynamic Team

Responsible for generating and focusing on developing new business relationships and a strong referral network specifically with accountants, public agencies, attorneys, and Chambers of Commerce.

MAJOR RESPONSIBILITIES

1. Cultivates referrals from branch network for business-related products and services.
2. Provide leadership by actively supporting assigned branches with business development activities including participating in meetings organized by branch offices.
3. Deliver an outstanding experience to Spencer Savings business clients by providing comprehensive and customized Small Business Banking solutions tailored to the financial needs and circumstances of their businesses.
4. Protect the firm by following sound risk management protocols and adhering to regulatory requirements.
5. Prospecting for new business with centers of influence (COIs), prospects, and existing clients.
6. Follow a disciplined relationship development process by identifying steps/strategies necessary to effectively maintain and build relationships for the long term.
7. Insures the profitability and credit quality of the portfolio in accordance with SSB’s credit policy.

1. Manages the day-to-day credit process, including credit write-ups, customer inquiries, and deal structures. Gathers financial information, prepares loan proposals, and manages several aspects of the underwriting function.

1. Monitors quality of existing accounts by monitoring delinquency. Ensures documentation is completed, and requests additional data as required. Confers with superiors on difficult or sensitive issues.

1. Ensures strong, effective market share of the products and services by providing direction and information on the products and applications and related services.

1. Keeps abreast of the products, applications, technical service, market conditions, and competitive activities.

JOB REQUIREMENTS

Education:

College Degree; or a combination of education and experience equivalent to an undergraduate degree.

Experience:

• Minimum of 3 – 5 years of Small Business Lending, Relationship Management experience required.
• Excellent verbal/written communication skills.
• Strong communication skills with individuals at all levels, internally and externally with the ability to build relationships with clients and internal partners.
• Capability of working independently in a fast-paced and changing environment.
• Ability to balance priorities daily to achieve business objectives through multitasking and time management.
• Good organizational and sales skills to facilitate and cultivate all leads.
• Credit and risk analysis skills required – with a working knowledge of various financing options.
• Goal oriented individual – displaying self-motivation and initiative.
• Excellent teamwork skills required.
• Highly proficient in MS Office tools including Outlook, Excel, Word, and PowerPoint
• Strong customer service skills required.