Relationship Manager (73036)

SouthEast Bank; Tennessee; On-site; USD 70,000 - 110,000; Full time

Job summary

SouthEast Bank in Tennessee is seeking an experienced relationship banking professional to develop new business and cultivate client relationships across consumer and commercial banking. You will serve as the primary contact for a portfolio of bank clients and facilitate, structure, and close loans while representing the bank in the local community.

The role emphasizes exceptional service delivery, loan production, and cross-selling, with a focus on meeting client needs and contributing to

Qualifications

• Develop new business and cultivate client relationships.
• Serve as primary contact for bank clients across products.
• Promote loans and related services to clients.

Responsibilities

• Serve as the primary relationship contact for clients and provide extraordinary customer service.
• Seek out prospective new clients through leads, referrals, events, and outreach.
• Promote SouthEast Bank loans and convert loan-only customers into long-term clients.
• Assist clients with banking tasks such as checks, debit cards, transfers, and online banking guidance.
• Handle inquiries and complaints and resolve them promptly.
• Match bank products to client needs including deposits, loans, and treasury services.
• Set goals with emphasis on loan and deposit production and team support.
• Interview loan applicants, analyze financial data, and determine credit worthiness.
• Review loan agreements for accuracy and compliance.
• Manage staff, training, and performance to meet department objectives.

Skills

Customer service

Relationship building

Loan knowledge

Cross-selling

Negotiation

Job description

Position Type Full Time

Category Finance

Description

GENERAL FUNCTION:

Develop new business and cultivate client relationships to provide products and services, both consumer and commercial. Maintain and service an existing portfolio of bank clients, serving as their primary contact for bank business. Facilitate, structure, and close loans. Represent the Bank in the local community through active participation in community affairs and participate in marketing all of the Bank's products and services.

ESSENTIAL FUNCTIONS:

• Serve as the primary relationship contact for clients and strive to offer extraordinary customer service by assisting with a variety of products and services, depending on each individual client situation
• Seek out prospective new clients, both individual consumer and commercial, through leads, cold-calling, previous relationships, events, and other appropriate means. Build strong relationships through positive, helpful assistance, listening, understanding, referrals, and introducing additional services and products
• Promote SouthEast Bank loans and services to clients and convert loan-only customers into long-term banking clients, with multiple services per household
• Assist clients as necessary with banking business (e.g. ensure that they can order new checks, replace lost debit cards, transfer money, research transaction errors, counsel clients on the use of online banking or bill pay, advise clients on budgeting and balancing their accounts, etc.)
• Handle customer inquiries and complaints, and take appropriate action to resolve them timely
• Listen to clients and match the best Bank products to their needs, including personal and business deposit accounts, treasury management services, consumer loans and lines of credit, residential mortgage loans, small to medium size business term loans and lines of credit, consumer and business credit cards, merchant services and occasionally larger real estate loans, as well as other products that are appropriate.
• Goals will be set periodically with emphasis on loan and deposit production, fee income, and other appropriate factors. Make goals and assist team when possible.
• Be aware of own book of business, economic conditions, rates, and other factors that affect productivity, and communicate with management about trends, concerns, successes, and other factors that affect the production of the team. Locate prospects for loans and relationships.
• Interview loan applicants, collect, and review financial and related data to determine the general credit worthiness of the prospect and the specific merits of the loan request.
• Obtain and analyze financial data and cash flow for loan requests submitted by clients, including available collateral and property evaluations. Submit information and share data with credit and loan operations. Ensure proactive follow-up and communication with all involved parties.
• Review loan agreements to ensure that they are complete and accurate according to compliance standards.
• Establish and negotiate, where necessary, the terms under which credit will be extended, including the cost, repayment method and schedule, and collateral requirements.
• Approve loans within specified limits and refer loan applications outside those limits to management for approval; prepare and present information as needed for proper consideration and determination.
• Monitor loan repayment activities, assist in computation, communication, and documentation of loan repayment schedules; take necessary action to collect from past due and charge off accounts.
• Work to correct and clear any loan file exception or deficiencies promptly.
• Work to manage annual reviews, loan maturity, refinance, and other loan events. Gather documents and communicate proactively with lending/credit team and clients to ensure seamless service.
• Set an example for your team by demonstrating a strong work ethic, competency in your job, adherence to policies and procedures, commitment to training, and alignment with the company's culture and strategies.
• Manage your assigned staff to meet the needs of the company and your department. Management functions include hiring, training, developing, assessing performance, counseling, directing work, prioritizing tasks, terminating, and other administrative functions, such as time, attendance, staffing, scheduling, leave, etc.
• Know, understand, and teach the policies, procedures, and guidelines that impact your work and your team. Be proactive in addressing and working through unclear or inconsistent procedures. Communicate with appropriate management and ask questions to clarify uncertainties.
• Build and nurture efficient, productive, positive teams. Ensure that communication is clear, active, constructive, and appropriate. Ensure that each Team Member understands their role and maintains accountab