Relationship Manager — Commercial Banking & Loans

River Bank & Trust; Daphne (AL); On-site; USD 70,000 - 100,000; Full time

Job summary

River Bank & Trust is seeking a Relationship Manager to develop, grow, and manage a profitable portfolio of commercial and consumer loan and deposit relationships. You will serve as a trusted financial partner, deliver responsive service, and represent the bank as a leader in the community.

You will balance growth with sound credit judgment, compliance, and the bank’s hospitality to customers while coordinating with internal teams to maximize relationship value and profitability.

Qualifications

• High school diploma or equivalent required; bachelor’s degree preferred.
• Minimum two years of lending, business development, or relationship management experience.
• Working knowledge of lending principles, credit analysis, and banking regulations.
• Ability to develop business and communicate effectively.

Responsibilities

• Develop new loan and deposit relationships through proactive calling, networking, referrals, centers of influence, and meaningful community involvement.
• Deepen existing relationships by understanding each customer’s business, financial goals, and banking needs and by connecting customers with appropriate Bank products, services, and other lines of business.
• Maintain and actively manage a loan and deposit pipeline; track business development, opportunities, expected closings, and relationship growth.
• Interview prospective and existing borrowers; collect and analyze financial information; assess creditworthiness, repayment capacity, collateral, and overall relationship risk.
• Structure and recommend credit solutions consistent with customer needs, sound banking practices, Bank policy, and applicable laws and regulations.
• Approve loans within assigned lending authority and prepare clear, complete loan presentations for the appropriate approval authority when requests exceed individual authority.
• Partner effectively with credit, loan operations, treasury management, retail, mortgage, wealth/investment, and other internal teams to provide a seamless customer experience.
• Maintain complete, accurate, and timely credit files, loan documentation, financial information, and other required records.
• Monitor assigned portfolio for credit quality, past dues, exceptions, maturities, and emerging risks; take timely action when concerns arise.
• Work proactively with delinquent or stressed borrowers, in partnership with management and credit personnel, to develop appropriate collection or resolution strategies.
• Maintain current knowledge of Bank products, credit policy, pricing, regulatory requirements, market conditions, and competitive trends.
• Protect customer information and maintain confidentiality in accordance with privacy requirements, Bank policy, and professional standards.
• Respond promptly and professionally to customer questions or concerns and take ownership of appropriate resolution.
• Represent River Bank & Trust professionally in civic, charitable, business, and community activities that strengthen the Bank’s relationships and market presence.
• Perform other duties and responsibilities as assigned and support the Bank’s strategic goals, culture, and service standards.
• Demonstrate ownership of portfolio growth, profitability, credit quality, customer retention, and overall relationship value.
• Consistently identify opportunities to expand deposits, treasury management services, and other fee-generating or relationship-enhancing services.
• Build strong internal partnerships and actively participate in the Bank’s referral culture.
• Maintain disciplined follow-up with prospects and customers and keep pipeline and relationship-management information current.

Skills

Lending experience

Business development

Relationship management

Credit analysis

Regulatory compliance

Education

High school diploma or equivalent

Bachelor's degree in business/finance/accounting or related field preferred

Tools

CRM

Lending systems

Banking software

Job description

River Bank & Trust is seeking a Relationship Manager to develop, grow, and manage a profitable portfolio of commercial and consumer loan and deposit relationships. You will serve as a trusted financial partner, deliver responsive service, and represent the bank as a leader in the community.

You will balance growth with sound credit judgment, compliance, and the bank’s hospitality to customers while coordinating with internal teams to maximize relationship value and profitability.