Business Relationship Manager III (SA)

Lone Star National Bank; Shavano Park (TX); On-site; USD 90,000 - 160,000; Full time

Job summary

Lone Star National Bank in Texas seeks a Business Relationship Manager III to develop new commercial banking prospects and deepen customer relationships, managing a $25M–$54M loan portfolio. The role requires credit analysis, cross-selling of banking products, leadership of staff, and compliance with bank policies.

Bilingual English/Spanish is preferred; bachelor's in business, finance, or related field. You will report to the Chief Lending Officer and work with Lending Specialists to meet

Qualifications

• Bachelor's degree in business, finance, accounting or related discipline.
• At least five years lending experience in a large financial institution.
• Credit analysis training or knowledge of credit analysis methods.
• Strong interpersonal and organizational skills; ability to work under pressure.
• Bilingual in English and Spanish preferred.

Responsibilities

• Develops new commercial banking business prospects per plan.
• Retains and deepens customer relationships, delivering excellent service.
• Manages loan portfolio of $25M–$54M and generates $12–18M annual gross production.
• Cross-sell and refer clients to bank partners for more complex needs.
• Oversees loan packages for approval and supports credit process.
• Ensures compliance with federal banking laws and internal policies.
• Manages hiring, coaching, and performance of reporting staff.

Skills

New business development

Relationship management

Cross-selling

Bilingual English/Spanish

Education

Bachelor's degree in business/finance/accounting

Job description

JOB SUMMARYAmong other duties, the Business Relationship Manager III (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 plansHandles 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 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 five years’ prior lending experience working in a large 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.