Business Relationship Manager I (SA)

LONE STAR NATIONAL BANK; Shavano Park (TX); On-site; USD 70,000 - 110,000; Full time

Job summary

Lone Star National Bank in Texas seeks a Business Relationship Manager I (SA) to grow commercial banking business by developing prospects and deepening client relationships. You will work with Lending, Mortgage, Insurance, Investments and other partners to structure credit and deposit solutions, manage loan packages, and cross-sell to meet center goals.

The role requires strong credit judgment, bilingual English/Spanish preferred, and a Bachelor’s degree with 3+ years credit/analytical

Qualifications

• Bachelor’s degree in business, finance, accounting, or related discipline.
• At least three years’ prior experience as a Credit Analyst for a financial institution.
• Strong business acumen and ability to assess creditworthiness and repayment probability.
• Knowledge of BSA/OFAC/AML regulations and internal controls.

Responsibilities

• Develops new commercial banking prospects per the established business development plan.
• Retains and deepens customer relationships with excellent service and tailored business plans.
• Grows loan portfolio by targeting small and local businesses (3–6MM in annual gross production).
• Collaborates with staff across departments to present credit and deposit solutions as needed.
• Prepares new and renewal loan packages and supports the credit approval process.
• Oversees staff coaching and day-to-day activities.

Skills

Credit analysis

Sales

Team leadership

Bilingual English/Spanish

Communication skills

Education

Bachelor’s degree in business/finance/accounting

Job description

JOB SUMMARYAmong other duties, the Business Relationship Manager I (SA) develops new commercial banking business prospects in accordance with established business development plan.ESSENTIAL DUTIESThe duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.Develops new commercial banking business prospects in accordance with established business development planRetains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plansResponsible for growing a loan portfolio by targeting small and local business and is able to generate between $3MM - $6MM in annual gross production.Focuses on building a team and working cohesively with all staff at the banking center.Actively contributes to help meet the banking center’s goals, as well as individual sales and referral goals by cross-selling and referring customers to bank business partners when more complex financial needs are recognized such as; Commercial Lending, Mortgage, Insurance, Investments, Merchant Services, Wealth Management or Treasury ManagementStructures and presents credit and deposit products and services to the customer with collaboration as needed from other business unitsNegotiates within guidelines as to credit pricing, terms, and structures with an emphasis on closing salesOversees preparation of new and renewal loan packages for approval and facilitation of the credit approval processMay solicit or take residential mortgage loan applications; may offer or negotiate the terms of residential mortgage loan applicationsManages the hiring, daily activities, coaching, evaluating and counseling of reporting staffParticipates in job specific training and other various Bank training programs, as necessaryMaintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensures adherence by the respective department personnelMaintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations, and ensures adherence by the respective department personnelMaintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensures adherence by the respective department personnelQUALIFICATIONSThese specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.Must be a team player with a Bachelor’s degree in business, finance, accounting, or a related disciplineMust have at least three years’ prior experience working as a Credit Analyst for a financial institutionAdvanced industry-sponsored lending and marketing courses are preferredStrong business acumen and sound judgment are required in order to accurately assess the creditworthiness of prospects and clients and the probability of successful repaymentCredit analysis training or sufficient knowledge of credit analysis methods and techniques in order to support loan decisions is necessaryMust maintain knowledge of the bank’s products and services regarding commercial banking pricing and productsMust stay abreast of effective sales and service practices, and any relevant industry trends or other necessary informationAttention to detail and the ability to work in a high-pressure environment with frequent interruptions are required in order to accurately perform tasksStrong interpersonal and organizational skills are necessary for maintaining effective relationships with employees, customers, and prospective customers, directors, and shareholdersGood verbal and written communication skillsBilingual in English and Spanish is desiredORGANIZATIONThis position reports directly to the Chief Lending Officer and/or a Market PresidentThis position may oversee a Lending SpecialistTRAINING REQUIREMENTSAll employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.COMMUNITY INVOLVEMENTLone Star National Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.LSNB is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.Management reserves the right to change this position description at any time according to business needs.