Relationship Manager

FirstBank
Huntsville, AL Full Time
POSTED ON 6/8/2022 CLOSED ON 7/3/2023

Job Posting for Relationship Manager at FirstBank

About FirstBank

Nashville-based FirstBank, a wholly owned subsidiary of FB Financial Corporation (NYSE: FBK), is the third largest Tennessee-headquartered bank with 81 full-service bank branches across Tennessee, South Central Kentucky, North Alabama and North Georgia, and a national mortgage business with offices across the Southeast. The bank serves five of the major metropolitan markets in Tennessee and with approximately $11.2 billion in total assets, has the resources to provide a comprehensive variety of financial services and products.

FirstBank has been recognized as one of Tennessee’s best employers by Business Tennessee magazine and The Tennessean. The Tennessee Chamber of Commerce & Industry, and the Tennessee Society for Human Resource Management have also recognized FirstBank.

FirstBank does more than provide consumers with best of class financial services. It is a place for employees to explore potential, obliterate boundaries and push out the edges of what can be. The company looks for people who can grow, think, dream and create. Its culture thrives by embracing diversity and rewarding imagination. The brand seeks achievers, leaders and visionaries. At FirstBank it’s about each person bringing skills and passion to a challenging and constantly evolving game.


Position Summary

The Relationship Manager (RM) generates and manages consumer, Corporate & Industrial (C&I) and Commercial Real Estate (CRE) loan and deposit portfolios, fosters a balance between loan production and credit quality, and minimizes risk through adherence of established bank policies. Retains, strengthens and develops relationships using situational awareness and the ability to identify client and industry strengths and weaknesses, assesses risk, and matches FirstBank’s product offerings with client needs when providing creative solutions.

ESSENTIAL FUNCTIONS: To perform this job, an individual must perform each essential function satisfactorily with or without a reasonable accommodation.

  • Manage an active portfolio of consumer, C&I (generally less than $3-5MM), and CRE (generally less than $3-5MM) loan relationships by meeting and exceeding sales goals in deposits, loans, revenue growth, profitability and client acquisition.
  • Demonstrate credit underwriting and loan documentation skills, complete proper underwriting of loans, and approve within loan authority or in conjunction with Credit Officer.
  • Review and monitor asset quality; monitor past due loan information, collateral exceptions, covenant compliance, risk rating and borrowing bases.
  • Actively work to develop new business by identifying prospective clients and referral sources for all bank products and services through prospecting and Centers of Influence.
  • Provide consultative guidance to Relationship Managers, Financial Center Managers and Market Presidents on C&I relationships.
  • Demonstrate product knowledge of deposits, loans, Treasury Management services, Capital Markets and an understanding of economics.
  • Monitor new developments in lending, compliance, loan policies and regulations.
  • Read, understand and analyze client financial statements in correlation to business operations.
  • Manage the full loan process, which includes but is not limited to administrative duties, preparing approval and closing documents, reviewing and monitoring past due loan information, clearing exceptions, resolving loan processing and payment errors, etc.
  • Represent FirstBank by participating in Bank and community activities, events and civic organizations; build, expand and maintain business and social networks.
  • Provide consistent, distinctive service to all clients when delivering the FirstBank service experience.
  • Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.
  • Regular and reliable attendance.
  • Perform other duties as assigned.

Additional Information:

Position serves both internal co-workers and external customers.

Access to and/or work with sensitive and/or confidential information.

Exhibit a working understanding of banking industry regulatory compliance including FirstBank- specific policies and procedures, applying knowledge and best practices as appropriate.

SUPERVISORY SKILLS:

Manage and direct the work of others, including planning, assigning, scheduling and reviewing work; ensure quality standards; set FirstBank tone and culture. Actively involved in decisions for hiring, terminating, training and developing, reviewing performance, and administering corrective action for staff.

KNOWLEDGE, SKILLS AND ABILITIES: The requirements listed below are representative of the knowledge, skills and/or abilities required.

Education: High school diploma or the equivalent required, with Bachelor’s degree preferred

Experience: Minimum five years of specific banking or business development experience; in-market experience preferred

Certifications and Licenses: National Mortgage Licensing System (NMLS) Certification within first year of employment

Skills and Abilities:

Business Mathematical Skills - Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rates, ratios and percentages and to draw and interpret graphs.

Moderate Computer Skills - Frequent use of electronic mail, word processing, data entry, spreadsheets, graphics, etc. Ability to create, maintain and incorporate simple functions into documents, spreadsheets, databases and presentations to support business objectives.

Moderate Communication - Regularly uses moderately complex oral and written skills. May train others in functional areas, interact with others, and make presentations to department or middle management.

Moderate Independent Judgment - Results are defined; set personal goals and determine how to achieve results with few or no guidelines to follow; supervisor/manager provides broad guidance and overall direction.

Varied Business Problems - Problems are varied and complex, requiring analysis or interpretation of the situation. Problems are solved using knowledge and skills, general precedents and practices; may collaborate with other operating areas.

Job-Specific Impact - Decisions generally affect own job or assigned functional area.

PHYSICAL AND MENTAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job responsibilities.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit for extended periods of time; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, bend, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift, push, pull and/or move up to 20 pounds. Repetitive motion of upper body required for extended use of computer. Required specific vision abilities include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

WORK ENVIRONMENT AND TRAVEL REQUIREMENTS:

Work environment characteristics described here are representative of those that an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job responsibilities.

Work in well-lit, ventilated and climate-controlled retail branch banking environment with routine office equipment; some equipment has moving mechanical parts.

Noise level in the work environment is moderate and typical for a retail banking environment.

Minimum overnight travel (up to 10%) by land and/or air.

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