Relationship Manager

Job Description

JOB SUMMARY:

Makes and services all types of business and individual loans and lines of credit. Establish a strategic outline to develop business operating/depository accounts with the Bank. Calls on existing customers to retain business and promote additional Bank services. Provides financial counsel to current prospective customers. Represents the Bank at various civic and community functions to further enhance its image and develop additional business. Develop a significant referral network to enhance operation of deposit and loan relationship to CBC.

DUTIES:

Solicit new relationships through various channels for deposit and loan opportunities.

Recognize and act on customer prospects; cross sell opportunities with existing customers.

Review appraisal, environmental, and title reports to determine reliability and support for credit request.

Make proper referral of loan opportunities to lending personnel.

Actively be involved in Bank’s Business Development Program.

Enhancing the image and recognition of the Bank in the business and professional community.

Works closely with staff in structuring, analyzing and approving commercial business loans.

Promote a team atmosphere and coordinate with other personnel in the management of shared account relationships.

Manages production goals and controls income and expenses.

Makes decisions on administrative and operational matters pertaining to deposits and lending.

Complete weekly updates of Pipeline Report to ensure accurate tracking and status of lending deals within loan pipeline; monitor loan portfolio and ticklers.

Track monthly borrowing base certificates; track revolving lines of credits for valid maturity dates; renew or extend subject lines for client use.

Trouble-shoot loan account issues with Operations, Wire, New Accounts and Note Departments

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE:

Bachelor's degree (B. A.) from four-year College or University;

Or 5-10 years community banking experience; (highly preferred)

Or equivalent combination of education and experience.

Knowledge of:

All areas of business lending and inventory financing

Credit structure – all forms

Business development

Commercial deposits

Abilities:

Possess strong sales and marketing ability to sell Bank Services.

Manage priorities to ensure effective accomplishment of objectives.

Handle strong volume of work flow from various sources.

Full-time