Business Banking - Relationship Manager

Stock Yards Bank & Trust; Lexington (KY); On-site; USD 70,000 - 95,000; Full time

Job summary

Stock Yards Bank & Trust in Kentucky seeks a Business Banking Relationship Manager to grow client relationships, perform credit analysis, and drive loan and deposit growth for small business customers.

The role requires a consultative, needs-based approach, travel between branches and client sites, and collaboration with branch managers to expand regional commercial banking.

Candidates should have a college degree and at least 3 years in a banking relationship role.

Qualifications

• Bachelor’s degree in business, finance or accounting required.
• Minimum of 3 years in a banking relationship manager or similar role.
• Strong sales and credit analysis capabilities.

Responsibilities

• Develop and utilize formal calling plans to target new business and expand existing Business Banking Clients (75%).
• Perform credit analysis and portfolio management for assigned business banking relationships for new and existing clients.
• Maintain credit quality and process renewals and past dues in a timely manner.
• Serve as the Business Banking expert for assigned Branch Managers in the territory.
• Create partnerships with Branch Managers to build relationships with area businesses.
• Assist with analyzing business financial statements, identifying strengths and weaknesses of loan requests.

Skills

Sales

Credit underwriting

Relationship management

Business development

Analytical skills

Education

Bachelor's degree (Business/Finance/Accounting)

Job description

Job Title: Business Banking Relationship Manager

FLSA Status: Exempt

Department: Business Banking

Hours of Operation: Full-Time (flexible start time), approx. 45 hours per week

General Job Summary:

Responsible for meeting or exceeding assigned goals (in Loan Production and Deposit Growth) through outside calling activities and relationship building of potential and existing business customers. The Business Banking Relationship Manager is also responsible for contributing to the profitability and growth of SYB Retail/Business Banking by building, developing, expanding client relationships with Business customers (defined as companies with annual revenues of up to $5 million), and serving Business Banking customers in a highly consultative, needs-based manner.

Organizational Duties and Responsibilities:

• Supports the mission, vision and philosophy of the Bank. Complies willingly with all organizational policies and procedures.
• Supports all functions that maintain compliance with regulatory agencies.

Essential Duties and Responsibilities:

• Develop and utilize formal calling plans to target new business and expand existing Business Banking Clients (75%)
• Perform Credit analysis and portfolio management for assigned portfolio of business banking relationships for new and existing clients
• As part of portfolio management, maintain credit quality and process renewals and past dues in a timely manner
• Serve as the Business Banking "expert" for assigned Branch Managers located within an assigned territory
• Create a partnership with Branch Managers to build and expand relationships with the area businesses
• Assist with analyzing business financial statements, identifying strengths and weaknesses of loan requests

Other Functions:

Actively cross-sell appropriate SYB Banking products to new and existing customers

Working Conditions:

Office setting, but much time spent traveling between assigned branches and potential customer places of business

Minimum Job Requirements:

Education: College degree required (preferably in area of business, finance, or accounting)

Experience: Minimum of 3 years experience in a banking relationship manager type role required

Specific Skills:

• Strong sales, credit underwriting, relationship management, business development, and analytical skills required
• Understand and articulate Business Banking strategies and philosophy
• Thorough level of lending skills required

Physical requirements:

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

• Primarily sedentary work performed in an office environment
• Ability to sit for extended periods of time while working at a computer
• Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment
• Ability to speak clearly and hear well enough to communicate with clients, team members, and vendors via phone, video, and in person
• Visual acuity sufficient to read computer screens, printed documents, and financial data
• Occasional standing, walking, bending, or reaching
• Ability to lift and carry up to 10-15 pounds occasionally (e.g., files, office supplies)