Relationship Manager

Skills and Experience:

• 15 years’ work experience related to various aspects of commercial banking
• Demonstrating strong solution-oriented sales and communications skills and effectively establishing rapport and credibility with customers
• Builds knowledge of all clients and prospects by compiling an in-depth profile of commercial business owners and other principals. Ensures client’s depository, cash management and investment needs are identified and met.
• Reviews and analyzes commercial client financial documents to determine viability of future business and relationship expansion opportunities.
• Advises clients and recommends various loan products and services as well as discusses qualification requirements for each option.
• Provides superior level of customer service while actively managing commercial banking relationships. Responds and resolves client inquiries, identifies new opportunities and maintains understanding of client’s complete financial objectives.
• Develops information and makes loan presentations to appropriate loan committees, when required.
• Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues
• Must have good personal organization and time management skills
• Must understand and work effectively within the credit culture of the company
• Must allocate time effectively and independently prioritize workload to meet timelines
• Good mathematical, reading comprehension and writing skills
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

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  Delivers strong revenue and profit growth within the Community Banking line of business through the acquisition of new relationships and the expansion of existing relationships in the form of new loans, deposits, treasury services, and other approved bank products
• Proven ability to develop, manage, and lead a team
• Formal Credit Analysis training
• Excellent oral and written communication skills
• Demonstrated technical, organizational, and problem-solving skills
• Demonstrated credit analysis and underwriting credit skills
• Knowledge of financial services, operational procedures, and compliance
• Extensive knowledge and expertise on depository and treasury products to sell full balance sheet relationship.

• Bachelor’s degree in Business, Finance, Accounting, or related field
• Minimum of fifteen (15) years in Commercial Banking
• Ability to respond to common inquiries from internal clients, regulatory agencies, and employees
• Advanced knowledge of related state and federal banking compliance regulations, and other Bank operational policies
• Intermediate skills in computer terminal and personal computer operation, including use of word, excel, and office
• Advanced math skills
• Effective verbal, written and interpersonal communication skills
• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
• Effective organizational and time management skills