Relationship Manager

SmartBank; Pensacola (FL); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Comprehensive benefits package

Matching 401(k)

Generous paid time off (PTO)

Incentive Program

Tuition Reimbursement

Mental Health Benefits

PTO

SmartFlex Days

Paid holidays

Tuition reimbursement

Mental health benefits

Community involvement

Company apparel

Job summary

A financial institution is seeking a Relationship Manager in Pensacola, Florida. Responsibilities include developing new business, completing loan applications, and evaluating customer loan requests. Ideal candidates should possess a High School Diploma and ideally a Bachelor's degree, along with substantial experience in banking or sales. An array of benefits is provided, emphasizing a people-first culture in a recognized workplace. This position is offered full-time within an innovative financial environment.

Qualifications

• 5+ years of experience in banking or sales lending field.
• RMA – Credit Risk Certification preferred.
• Graduate School of Banking preferred.
• Graduate School of Banking preferred.
• TBA Lending Schools – Commercial Lending preferred.

Responsibilities

• Develop new customer prospects and business for the financial institution.
• Complete loan applications and conduct financial analyses.
• Communicate complex approvals or denials to borrowers.
• Monitor profitability of relationships and negotiate terms and structures for mutual benefit.

Skills

Customer relationship management

Financial analysis

Negotiation skills

Sales

Education

High School Diploma

Bachelor’s degree in business, finance, or management

Job description

Relationship Manager page is loaded## Relationship Managerlocations: Pensacolatime type: Full timeposted on: Posted 2 Days Agojob requisition id: JR100049At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.**Relationship Manager**SmartBank Associates enjoy an AMAZING benefits package:* Comprehensive benefits- medical, dental, vision, life, and disability insurance* Matching 401(k)* Generous paid time off (PTO)* SmartFlex Days* Up to 11 Paid Company Holidays* Incentive Program* Mental Health Benefits Including 8 free sessions with a coach or certified professional* Tuition Reimbursement* Community Involvement Opportunities* Company apparel provided at no cost**Our Relationship Managers will be held accountable for:*** Upholding SmartBank Core Values and Core Purpose.* Developing new customer prospects and business for the financial institution.* Completing each loan application and all pre-processing functions in a timely manner. Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.* Screening loan request based on financial institution policies and on types of loans offered by the institution. Orders appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.* Responsible to monitor overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and SmartBank.* Evaluating potential customer loan requests and makes loan recommendations to management. Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.* Communicating complex approvals or denials to the borrower. Promotes and participates in the financial institution’s special credit programs and other CRA programs.**Ideal candidates for the role will include:*** High School Diploma required.* Bachelor’s degree 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 preferredWith a strong foundation and a growing footprint, **SmartBank** delivers high‐touch banking solutions to commercial businesses and consumers across the Southeast. Headquartered in Knoxville, Tennessee, SmartBank operates as a subsidiary of **SmartFinancial, Inc. (NYSE: SMBK)**, a financial holding company with assets exceeding $5 billion.At the heart of SmartBank’s success is a commitment to creating ‘WOW’ experiences—for both clients and team members. This people‐first culture has earned national recognition, including placement on FORTUNE’s 2025 Top 100 Best Workplaces list and Great Place To Work(R) certification, reinforcing SmartBank as an employer of choice in the markets we serve. Drawing on decades of collective banking experience, SmartBank’s leadership has embedded “Smart” business practices throughout the organization, including rigorous credit underwriting, holistic relationship management, and a focus on attracting and retaining top-tier talent. Guided by these principles, SmartBank has grown into a respected, high‐performing financial institution trusted by the communities it serves.