AVP, Relationship Manager

Enterprise Bank & Trust; Saint Peters (MO); On-site; USD 70,000 - 90,000; Full time

Job summary

Enterprise Bank & Trust in Saint Peters, Missouri is seeking an AVP, Relationship Manager responsible for developing and managing new client relationships while enhancing existing ones. This role involves providing financial solutions proactively and supporting efforts to increase the bank’s deposit base through various products.

The ideal candidate will have strengths in credit underwriting and relationship management, with a Bachelor's degree in Finance or Business and at least three years of lending experience. The position also offers opportunities for cross-selling and requires strong analytical skills.

Qualifications

• Demonstrated skills in credit underwriting and business line portfolio management.
• Experience in underwriting/closing deals is preferred.
• Ability to cross-sell banking products or similar financial services.

Responsibilities

• Manage and service relationships by interviewing applicants and obtaining financial data.
• Evaluate financial information for credit risk.
• Approve loans within assigned authority and company policies.

Skills

Credit underwriting

Communication skills

Time management

Analytical skills

Interpersonal skills

Education

Bachelor’s degree in Finance or Business

Three years of commercial lending experience

Tools

Salesforce

Microsoft Office

Google Suite

Job description

Job Title

AVP, Relationship Manager

Job Description

Develop and manage new relationships while enhancing existing customer relationships. To achieve this, it is expected that the role be proactive in providing financial solutions to both existing and prospective clients. Also responsible for supporting the teams efforts in increasing the bank’s deposit base through various products. The candidate will develop sound and profitable business relationships, credit assessment and exceeding customer needs and expectations according to regulatory requirements.

Essential Duties And Responsibilities

• Manages and services relationships by interviewing applicants and obtaining pertinent financial data.
• Evaluates pertinent financial information and determines whether a credit is an acceptable risk.
• Approves loans within assigned lending authority, and company policies and procedures.
• Recommends credits outside lending authority to the next level or presents to Loan Committee in accordance with established procedures.
• Ongoing monitoring of existing loans for conformity to terms and conditions, and accurate risk ratings.
• Actively participates with and assists other Relationship Managers on larger, more complex credits.
• Monitors market conditions, observing competitor impact and makes recommendations to maintain competitive and profitable product line.
• Develop and maintain comprehensive knowledge of all commercial products including loans, cash management, and deposits to facilitate cross-selling in order to enhance the client experience.
• Analyze financial statements and related information.
• Performs other duties as required.

Qualifications

• Must have demonstrated skills in credit underwriting and business line portfolio management.
• Experience in underwriting/closing deals preferred.
• Must have excellent communication, presentation and tactful interpersonal skills.
• Superb people skills to work within a team environment and successfully develop and retain client relationships.
• Proven ability to cross-sell banking products, or similar financial services.
• Self‑motivated to work independently and take ownership.
• Effective time management and organizational skills are required.
• Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
• This position requires the use of sound business discretion, good judgment, and excellent problem solving skills.
• Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
• Superior analytical and decision making skills based on a thoughtful assessment of risk.

Supervisory Responsibilities

• None

Education And/or Experience

• Bachelor’s degree in Finance or Business.
• Minimum of three years of commercial lending experience. Commercial real estate lending experience a plus.
• Formal credit training program preferred.

Computer And Software Skills

• Working knowledge of Microsoft Office and Google Suite.
• Customer Relationship Management (CRM) software, Salesforce preferred
• LinkedIn preferred

Certificates, Licenses And Registrations

• None

Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.