Relationship Manager

Job Description

Job Description

Salary:

Join Our Team as a Relationship Manager!

Are you an experienced professional in banking with a passion for building strong client relationships? Our team is seeking a Relationship Manager to join our team and play a pivotal role in expanding our portfolio.

Primary Responsibilities and Duties:

• Responsible for the growth and retention of a portfolio of new and existing Business Banking clients.
• Attain new customers through referrals therefore contributing to deposit growth by cross selling and promoting additional banking products.
• Serve as the primary point of contact for client inquiries and provide exceptional customer service by addressing their lending requirements and inquiries.
• Identify and pursue new lending opportunities within the target market, working closely with business development teams to expand the client base.
• Leverage industry knowledge and networking to generate leads and referrals, contributing to the growth of the lending portfolio.
• Analyze prospective clients' financial statements, cash flow, credit history, and collateral to assess creditworthiness and determine appropriate lending structures.
• Develop and present customized lending solutions, including term loans, revolving credit facilities, working capital lines of credit, and other financing options, to meet clients' unique financial needs.
• Negotiate lending terms and conditions with clients, ensuring alignment between their requirements and the institution's risk appetite.
• Evaluate and manage credit risk by monitoring clients' financial performance and market conditions, making proactive recommendations and adjustments as needed.
• Prepare accurate and complete loan documentation, ensuring compliance with all legal, regulatory, and internal policy requirements.
• Stay informed about industry trends, economic developments, and market conditions that may impact clients' businesses, providing valuable insights and advice.

Qualifications:

• Strong ethical values and commitment to maintaining client confidentiality.
• Bachelor's degree in Finance, Business, Economics, or a related field.
• Must have at least 5 years in sales, customer service, relationship management, or a preferably within the financial services sector.
• Basic understanding of banking products and services.
• Excellent communication, negotiation, and presentation skills.
• Ability to work independently, prioritize tasks, and meet lending targets.
• Proficiency in financial analysis tools, credit scoring models, and Microsoft Office Suite.

Relationships:

• Responsible to the Market President for the fulfillment of functions and responsibilities.
• Will have extensive contact with customers, the public and the community and is to conduct relationships in a manner that will enhance the overall image and reputation of the bank.

• Will be called upon from time to time to participate with community organizations and in community projects.

Join us in contributing to our mission of delivering top-tier banking services!

Why work for us?

We offer an excellent benefits package including:

• Health, Dental, Vision & Life Insurance
• 401(k) & Profit Sharing
• Paid Holidays
• Paid Vacation & Sick Time
• Mental health benefits including coaching and/or therapy sessions
• Employee Banking Benefits
• Bonus: based on bank profitability and employee performance

This position will be open until filled.

DEPARTMENT:
Lending

FLSA:
Exempt

SALARY: $75,000-$140,000

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**The bank reserves the right to modify, interpret or apply this job description in any way the bank desires. This job description in no way implies these are the only duties, including essential duties, to be performed by the employee occupying this position. This is not an employee contract, implied or otherwise. The employment relationship remains at-will. The job requirements are subject to change to reasonably accommodate qualified disabled individuals.