Relationship Manager

Firstbank; Mitchel Heights (TN); Sur place; USD 70 000 - 110 000; Plein temps

Résumé du poste

FirstBank is seeking a Relationship Manager to grow and manage a portfolio of consumer, C&I, and CRE loans and deposits, while maintaining credit quality and adhering to bank policies.

You will develop new business through prospecting and Centers of Influence, provide guidance to other managers, and ensure full loan processing from underwriting to closing. The ideal candidate has at least five years of banking or business development experience, with NMLS certification within the first year.

Qualifications

• Minimum five years of banking or business development experience
• NMLS Certification within first year of employment

Responsabilités

• 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.

Connaissances

Relationship management

Sales & business development

Credit underwriting

Formation

High school diploma or equivalent

Description du poste

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