Relationship Manager

FirstBank; Northern (KY); Hybrid; USD 65,000 - 95,000; Full time

Job summary

FirstBank is seeking a Relationship Manager in Kentucky to generate and manage consumer, C&I, and CRE loan and deposit portfolios while ensuring credit quality and adherence to bank policies.

You will retain and expand client relationships, assess risk, and align FirstBank products with client needs to provide creative financial solutions. It is a client-facing, growth-oriented role within the regional commercial banking team.

Qualifications

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

Responsibilities

• Manage an active portfolio of consumer, C&I and CRE loan relationships with deposits and revenue growth.
• Demonstrate credit underwriting and loan documentation skills; underwrite loans and approve within authority or with Credit Officer.
• Review and monitor asset quality, past due loans, covenant compliance and risk ratings.
• Develop new business through prospecting and Centers of Influence for all bank products and services.
• Provide consultative guidance to Relationship Managers and Market Leaders on C&I relationships.

Skills

Relationship management

Credit underwriting

Sales & business development

Portfolio management

Financial analysis

Client relationship building

Education

High school diploma or equivalent

Bachelor's degree preferred

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.

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