Relationship Manager

FirstBank; Crossville (TN); On-site; USD 75,000 - 120,000; Full time

Job summary

FirstBank seeks a seasoned Relationship Manager to generate and manage consumer, Corporate & Industrial (C&I), and Commercial Real Estate (CRE) loan and deposit portfolios. You balance loan production with credit quality and minimize risk by adhering to bank policies while strengthening client relationships.

You oversee underwriting, documentation, and asset quality; develop new business via prospecting and centers of influence; guide other RMs and market leaders on C&I relationships; maintain

Qualifications

• High school diploma or the equivalent required. Bachelor's degree preferred.
• Minimum of five years of specific banking or business development experience; in-market experience preferred.
• National Mortgage Licensing System (NMLS) Certification within first year of employment

Responsibilities

• Manage an active portfolio of consumer, C&I, and CRE loan relationships meeting sales and growth targets.
• Underwrite loans and prepare documentation; approve within authority or with Credit Officer.
• Monitor asset quality, past due information, collateral exceptions, risk ratings and covenants.
• Develop new business through prospecting and Centers of Influence.
• Provide guidance to Relationship Managers, Financial Center Managers and Market Presidents on C&I relationships.
• Demonstrate knowledge of deposits, loans, Treasury Management, and Capital Markets.
• Monitor lending policy changes and regulations.
• Read, understand and analyze client financial statements to business operations.
• Manage full loan process from preparation to closing and issue resolution.
• Represent FirstBank in community activities and build networks.
• Deliver consistent, distinctive service and adherence to controls.
• Attend regularly and perform other duties as assigned.

Skills

Relationship management

Credit underwriting

Loan documentation

Portfolio management

Business development

Education

High school diploma or equivalent

Bachelor's degree

Job description

Position Summary: The Relationship Manager (RM) generates and manages consumer, Corporate & Industrial (C&I) and Commercial Real Estate (CRE) loan and deposit portfolios, fosters a balance between loan production and credit quality, and minimizes risk through adherence of established bank policies. Retains, strengthens and develops relationships using situational awareness and the ability to identify client and industry strengths and weaknesses, assesses risk, and matches FirstBank’s product offerings with client needs when providing creative solutions.

• Manage an active portfolio of consumer, C&I (generally less than $3-5MM), and CRE (generally less than $3-5MM) loan relationships by meeting and exceeding sales goals in deposits, loans, revenue growth, profitability and client acquisition.
• Demonstrate credit underwriting and loan documentation skills, complete proper underwriting of loans, and approve within loan authority or in conjunction with Credit Officer.
• Review and monitor asset quality; monitor past due loan information, collateral exceptions, covenant compliance, risk rating and borrowing bases.
• Actively work to develop new business by identifying prospective clients and referral sources for all bank products and services through prospecting and Centers of Influence.
• Provide consultative guidance to Relationship Managers, Financial Center Managers and Market Presidents on C&I relationships.
• Demonstrate product knowledge of deposits, loans, Treasury Management services, Capital Markets and an understanding of economics.
• Monitor new developments in lending, compliance, loan policies and regulations.
• Read, understand and analyze client financial statements in correlation to business operations.
• Manage the full loan process, which includes but is not limited to administrative duties, preparing approval and closing documents, reviewing and monitoring past due loan information, clearing exceptions, resolving loan processing and payment errors, etc.
• Represent FirstBank by participating in Bank and community activities, events and civic organizations; build, expand and maintain business and social networks.
• Provide consistent, distinctive service to all clients when delivering the FirstBank service experience.
• Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols
• Regular and reliable attendance.
• Perform other duties as assigned.

Description

Position at FirstBank

Position Summary:

The Relationship Manager (RM) generates and manages consumer, Corporate & Industrial (C&I) and Commercial Real Estate (CRE) loan and deposit portfolios, fosters a balance between loan production and credit quality, and minimizes risk through adherence of established bank policies. Retains, strengthens and develops relationships using situational awareness and the ability to identify client and industry strengths and weaknesses, assesses risk, and matches FirstBank’s product offerings with client needs when providing creative solutions.

Essential Duties & Responsibilities:

• Manage an active portfolio of consumer, C&I (generally less than $3-5MM), and CRE (generally less than $3-5MM) loan relationships by meeting and exceeding sales goals in deposits, loans, revenue growth, profitability and client acquisition.
• Demonstrate credit underwriting and loan documentation skills, complete proper underwriting of loans, and approve within loan authority or in conjunction with Credit Officer.
• Review and monitor asset quality; monitor past due loan information, collateral exceptions, covenant compliance, risk rating and borrowing bases.
• Actively work to develop new business by identifying prospective clients and referral sources for all bank products and services through prospecting and Centers of Influence.
• Provide consultative guidance to Relationship Managers, Financial Center Managers and Market Presidents on C&I relationships.
• Demonstrate product knowledge of deposits, loans, Treasury Management services, Capital Markets and an understanding of economics.
• Monitor new developments in lending, compliance, loan policies and regulations.
• Read, understand and analyze client financial statements in correlation to business operations.
• Manage the full loan process, which includes but is not limited to administrative duties, preparing approval and closing documents, reviewing and monitoring past due loan information, clearing exceptions, resolving loan processing and payment errors, etc.
• Represent FirstBank by participating in Bank and community activities, events and civic organizations; build, expand and maintain business and social networks.
• Provide consistent, distinctive service to all clients when delivering the FirstBank service experience.
• Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols
• Regular and reliable attendance.
• Perform other duties as assigned.

Qualifications:

Education

• High school diploma or the equivalent required. Bachelor's degree preferred

Experience

• Minimum of five years of specific banking or business development experience; in-market experience preferred

Certifications and Licenses

• National Mortgage Licensing System (NMLS) Certification within first year of employment

FirstBank does not accept unsolicited resumes from agencies and staffing firms. Recruitment agencies and consultants may not submit resumes directly to managers. FirstBank will not pay fees to any third-party agency or company that does not have a signed agreement as an approved vendor. FirstBank in an Equal Opportunity Employer, including disability.