Business Relationship Manager III (SA)

Lone Star National Bank; San Antonio (TX); On-site; USD 85,000 - 120,000; Full time

Job summary

Lone Star National Bank in San Antonio, TX is seeking a Business Relationship Manager III (SA) to develop new commercial banking prospects and manage a growing loan portfolio.

You will retain and deepen customer relationships, structure credit and deposit products, and help meet branch goals through cross-selling and referrals, while guiding staff and ensuring banking compliance.

Qualifications

• Bachelor’s degree in business, finance, accounting, or related discipline is required.
• At least five years’ lending experience in a large financial institution.
• Bilingual in English and Spanish is desired.

Responsibilities

• Develops new commercial banking business prospects in accordance with established business development plan.
• Retains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plans.
• Handles commercial loan portfolio and aims to generate substantial annual gross production.
• Maintains a steady pipeline with growing annual production year over year.
• Cross-sell and refer customers to bank partners for more complex financial needs such as Lending, Mortgage, Insurance, Investments, or Treasury Management.
• Structures and presents credit and deposit products with collaboration from other business units.

Skills

Lending experience

Sales / business development

Communication skills

Bilingual English/Spanish

Education

Bachelor's degree in business, finance, accounting, or related

Job description

JOB SUMMARY

Among other duties, the Business Relationship Manager III (SA) develops new commercial banking business prospects in accordance with established business development plan.

Essential Duties

• Develops new commercial banking business prospects in accordance with established business development plan
• Retains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plans
• Handles commercial loan portfolio of $25MM - $54MM and is able to generate between $12MM – $18MM in annual gross production.
• Maintains a steady pipeline and annual production remains reasonably consistent and growing year over year, despite economic conditions; Is able to strategize and confidently sell within any economic and competitive market environment.
• 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 Management
• Structures and presents credit and deposit products and services to the customer with collaboration as needed from other business units
• Negotiates within guidelines as to credit pricing, terms, and structures with an emphasis on closing sales
• Oversees preparation of new and renewal loan packages for approval and facilitation of the credit approval process
• May solicit or take residential mortgage loan applications; may offer or negotiate the terms of residential mortgage loan applications
• Manages the hiring, daily activities, coaching, evaluating and counseling of reporting staff
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains 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 personnel
• Maintains 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 personnel
• Maintains 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 personnel

Description

JOB SUMMARY

Among other duties, the Business Relationship Manager III (SA) develops new commercial banking business prospects in accordance with established business development plan.

Essential Duties

The 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 plan
• Retains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plans
• Handles commercial loan portfolio of $25MM - $54MM and is able to generate between $12MM – $18MM in annual gross production.
• Maintains a steady pipeline and annual production remains reasonably consistent and growing year over year, despite economic conditions; Is able to strategize and confidently sell within any economic and competitive market environment.
• 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 Management
• Structures and presents credit and deposit products and services to the customer with collaboration as needed from other business units
• Negotiates within guidelines as to credit pricing, terms, and structures with an emphasis on closing sales
• Oversees preparation of new and renewal loan packages for approval and facilitation of the credit approval process
• May solicit or take residential mortgage loan applications; may offer or negotiate the terms of residential mortgage loan applications
• Manages the hiring, daily activities, coaching, evaluating and counseling of reporting staff
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains 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 personnel
• Maintains 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 personnel
• Maintains 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 personnel
• Bilingual in English and Spanish is desired
• Maintains 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 personnel

Qualifications

These 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 discipline
• Must have at least five years’ prior lending experience working in a large financial institution
• Advanced industry-sponsored lending and marketing courses are preferred
• Strong business acumen and sound judgment are required in order to accurately assess the creditworthiness of prospects and clients and the probability of successful repayment
• Credit analysis training or sufficient knowledge of credit analysis methods and techniques in order to support loan decisions is necessary
• Must maintain knowledge of the bank’s products and services regarding commercial banking pricing and products
• Must stay abreast of effective sales and service practices, and any relevant industry trends or other necessary information
• Attention to detail and the ability to work in a high-pressure environment with frequent interruptions are required in order to accurately perform tasks
• Strong interpersonal and organizational skills are necessary for maintaining effective relationships with employees, customers, and prospective customers, directors, and shareholders
• Good verbal and written communication skills
• Bilingual in English and Spanish is desired

ORGANIZATION

• This position reports directly to the Chief Lending Officer and/or a Market President
• This position may oversee a Lending Specialist

Training Requirements

All 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 INVOLVEMENT

Lone 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

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.