Relationship Manager

SmartBank; Huntsville (TN); On-site; USD 60,000 - 80,000; Full time

Job summary

SmartBank is seeking a qualified individual to handle loan applications and evaluate customers' credit requests. Responsibilities include completing loan applications, participating in team credit decisions, and ensuring compliance with lending policies.

The ideal candidate will have at least 5 years of experience in banking, a Bachelor's degree in finance or business preferred, and must uphold SmartBank's core values.

Qualifications

• 5+ years experience in banking or sales lending field.
• Credit Risk Certification by RMA is preferred.
• Graduate School of Banking is preferred.

Responsibilities

• Upholding SmartBank core values.
• Completing loan applications in a timely manner.
• Evaluating potential customer loan requests.

Skills

Credit risk analysis

Sales strategy development

Financial analysis

Customer relationship management

Education

Bachelor’s degree in business, finance or management

High School Diploma

Job description

Responsibilities

• 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.
• Gathering related financial and general business information, performing financial analyses needed to make credit decisions.
• Participating in team credit decisions and communicating with prospects and customers to close sales.
• Screening loan requests based on financial institution policies and types of loans offered by the institution.
• Ordering appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.
• Monitoring overall profitability of relationships and negotiating terms, fees, and structures to the mutual benefit of the client and SmartBank.
• Evaluating potential customer loan requests and making loan recommendations to management.
• Reviewing new laws and regulations that influence business lending within the financial institution and making recommendations to management when necessary.
• Communicating complex approvals or denials to the borrower.
• Promoting and participating 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.