Commercial Relationship Manager | Build Relationships. Drive Growth

SmartBank; Destin (FL); On-site; USD 50,000 - 80,000; Full time

Benefits offered by this job

Medical, dental, vision, life, and disability insurance

401(k) plan with 4% employer match

Generous paid time off and holidays

Job summary

SmartBank in Destin, Florida is seeking a financial professional to develop new customer prospects and manage loan applications. A minimum of 5 years' experience in banking or sales lending is required. Strong financial analysis and customer relationship skills are essential.

The position includes a range of responsibilities from conducting financial analyses and credit decision-making to upholding SmartBank's core values. Generous benefits include medical insurance and a 401(k) plan.

Qualifications

• High School Diploma required.
• Bachelor’s degree in business, finance or management preferred.
• Minimum of 5 years experience in banking or sales lending field.

Responsibilities

• Uphold SmartBank Core Values and Core Purpose.
• Develop new customer prospects and business.
• Complete loan applications and pre-processing functions.

Skills

Customer relationship management

Financial analysis

Sales techniques

Credit decision making

Education

High School Diploma

Bachelor’s degree in business, finance or management

Job description

Overview

SmartBank is rooted in core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our purpose is to create "WOW" experiences for clients. We serve Tennessee, Alabama, and Florida and expand our reach across the Southeast.

Benefits

Medical, dental, vision, life, and disability insurance; 401(k) plan with a 4% employer match; generous paid time off (PTO), SmartFlex Days, and 11 paid company holidays; paid community involvement, company apparel, and tuition reimbursement.

Responsibilities

• Uphold SmartBank Core Values and Core Purpose.
• Develop new customer prospects and business for the financial institution.
• Complete each loan application and all pre-processing functions in a timely manner.
• Gather related financial and general business information, perform financial analyses needed to make credit decisions, participate in team credit decisions, and communicate with prospects and customers to close sales.
• Screen loan requests based on financial institution policies and types of loans offered by the institution.
• Order appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.
• Monitor overall profitability of relationships and negotiate terms, fees, and structures to the mutual benefit of the client and SmartBank.
• Evaluate potential customer loan requests and make loan recommendations to management.
• Review new laws and regulations that influence business lending within the financial institution and make recommendations to management when necessary.
• Communicate complex approvals or denials to the borrower.
• Promote and participate in the financial institution’s special credit programs and other CRA programs.

Qualifications

• High School Diploma required.
• Bachelor’s degree in business, finance or management preferred.
• Minimum of 5 years experience in banking or sales lending field.
• RMA – Credit Risk Certification preferred.
• Graduate School of Banking preferred.
• TBA Lending Schools – Commercial Lending preferred.