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Relationship Manager


Relationship Manager

Relationship Manager

Independent Financial
Houston, TX 77090

Job details

Job Type

Full-time
The Relationship Manager is responsible for developing and managing commercial banking relationships to maximize profitability to the bank with acceptable risk; through relationship management, credit management, and business development.

Responsibilities:

Relationship Management

  • Manages the largest and most complex relationships that require in depth analysis

  • Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions

  • Ensures integrity and timeliness of customer information, documentation, and data

  • Ensures each relationship is profitable and represents appropriate risk

  • Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues

  • Mentors junior staff and helps to manage workflow within the team

Credit Management

  • For new loan requests, assess borrower credit-worthiness in accordance with credit policy

  • Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned

  • Ensure that loans are documented in accordance with credit approvals

  • Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activity

Business Development

  • Maintain expert knowledge of commercial banking products & services

  • Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities

  • Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management

  • Provide existing and prospective customers with appropriate financial services and advice

  • Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations.

  • Maintain a pipeline of business leaders and prospects

Qualifications:

Education Requirements

  • Bachelor’s degree

Minimum Experience

  • Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager

  • Minimum 4 years of experience as a relationship manager

  • Expert understanding of treasury management services and other banking products

Knowledge/ Skills/ Abilities

  • Expert accounting & finance knowledge

  • Exceptional technical skills

  • Expert knowledge of laws and regulations, and compliance related to commercial lending

  • Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value

  • Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills

  • Ability to work in a team environment and demonstrate flexibility as business dictates

  • Ability & willingness to investigate, resolve, and recommend process improvement opportunities

  • Ability to effectively plan, manage, and delegate to others

Job Details:

Regular

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• Mobile: NA

• Location: NA

• Post ID: 21882510


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