Relationship Manager

BankOkolona; Tupelo (MS); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Competitive salary

Local decision-making and access to领导

Direct access to senior leadership

Job summary

BankOkolona in Tupelo, MS is seeking a Relationship Manager to build and maintain strong client connections, originate and manage a loan and deposit portfolio, and provide tailored banking solutions. This on-site role emphasizes relationship growth and collaborating with internal teams to ensure top-tier service.

The position requires strong credit analysis and client-facing skills, with a focus on local market growth and community engagement. Eligibility for NMLS may apply for mortgage lending.

Qualifications

• 5+ years of lending or credit experience in a bank or financial institution.
• Demonstrated customer service and client relationship skills.
• Proficiency with Microsoft Office; experience with FIS Horizon or similar core is a plus.
• Demonstrated ability to generate new business and grow a loan portfolio.
• Solid understanding of credit analysis, loan structuring, and collateral evaluation.

Responsibilities

• Develop new loan and deposit relationships through referrals, community involvement, calling efforts, and professional networks.
• Originate and structure loans that meet bank policy and client needs.
• Analyze financial statements, tax returns, cash flow, and collateral to assess credit risk; prepare clear credit presentations for loan committee.
• Manage an assigned portfolio, including renewals, annual reviews, monitoring, and past-due follow-up.
• Cross-sell deposit and other bank services to build full relationships.
• Ensure loans comply with bank policy and applicable regulations.
• Work closely with credit, loan operations, and branch staff to deliver a smooth closing experience.
• Represent BankOkolona in the Tupelo community through civic, business, and nonprofit involvement.

Skills

Relationship management

Credit analysis

Communication

Self-motivation

Independent work

Education

Bachelor's degree in finance or related field

Tools

Microsoft Office

FIS Horizon

Job description

Company Description BankOkolona, headquartered at 227 W Main Street in Okolona, Mississippi, is a community-focused banking institution serving local individuals, families, and businesses. The bank offers a range of financial services designed to support everyday banking needs and long-term financial goals. Team members at BankOkolona work closely with customers to build lasting relationships and provide personalized service. The organization values trust, integrity, and reliability in its interactions with the community and strives to create a supportive work environment for its staff.

Role Description

The Relationship Manager is a full-time, on-site role based in Tupelo, MS. This position is responsible for building and maintaining strong customer relationships, serving as the primary point of contact for clients, and providing tailored banking solutions. The Relationship Manager will originate, structure, and manage a portfolio of [consumer / commercial / and small business] loans out of our Tupelo LPO. This is a relationship-driven position: you'll be the primary point of contact for your clients, bringing in new loan and deposit business and deepening existing relationships. The Relationship Manager will also monitor client portfolios, resolve issues promptly, collaborate with internal teams to ensure smooth service delivery, and actively participate in community and business development activities to grow the customer base.

Key Responsibilities

• Develop new loan and deposit relationships through referrals, community involvement, calling efforts, and professional networks
• Originate and structure [commercial real estate, C&I, equipment, agricultural / consumer, residential real estate, and installment] loans that meet bank policy and client needs
• Analyze financial statements, tax returns, cash flow, and collateral to assess credit risk; prepare clear credit presentations for loan committee
• Manage an assigned portfolio, including renewals, annual reviews, monitoring, and past-due follow-up
• Cross-sell deposit and other bank services to build full relationships
• Ensure loans comply with bank policy and applicable regulations (Reg B, Reg Z, RESPA, Flood, BSA/AML, etc.)
• Work closely with credit, loan operations, and branch staff to deliver a smooth closing experience
• Represent BankOkolona in the Tupelo community through civic, business, and nonprofit involvement

Qualifications

• 5+ years of lending or credit experience in a bank or financial institution. Preferred: Experience in retail or commercial banking, financial services, or customer-facing roles in related industries.
• Demonstrated customer service and client relationship skills, with the ability to build trust and maintain long-term partnerships.
• Proficiency with Microsoft Office; experience with FIS Horizon or similar core a plus
• Demonstrated ability to generate new business and grow a loan portfolio
• Solid understanding of credit analysis, loan structuring, and collateral evaluation
• Working knowledge of consumer and/or commercial lending regulations
• Strong communication and relationship-building skills; comfortable in front of business owners and committees
• Self-motivated and able to work independently in an LPO setting
• Bachelor's degree in finance, accounting, business, or related field preferred (equivalent experience considered)
• Existing relationships in the Tupelo/Lee County market strongly preferred
• NMLS registration or ability to register (required if originating consumer mortgage loans)

What We Offer

• Competitive salary and compensation
• Local decision-making and direct access to senior leadership
• The chance to help shape our growth in one of North Mississippi's strongest markets