Retail Relationship Manager

First National Bank of Waterloo; Columbia (IL); On-site; USD 57,000 - 88,000; Full time

Job summary

The First National Bank of Waterloo in Columbia, IL is seeking a Retail Relationship Manager. This full-time role provides sales and service to existing and prospective loan customers, focusing on mortgage options, loan requirements, and processing while maintaining strict confidentiality.

The position involves travel to meet clients and requires strong communication and customer service skills. The role reports to senior leadership and emphasizes professional relationship management and

Qualifications

• Bachelor's degree or equivalent education or experience.
• 3 to 5 years Bank Lending experience.
• Professional level of communication, sales and customer service skills.
• Ability to handle Public Relations and Community Activities.

Responsibilities

• Provides information to customers regarding Bank loan opportunities and policies.
• Advises customers of mortgage options and negotiates terms and conditions of loans.
• Makes sales calls to pursue and retain loan business.
• Solicits loan business through Brokers, builders, developers, and realtors.
• Interviews loan applicants to discuss loan requirements and repayment capacity.
• Completes loan contracts by explaining provisions and obtaining signatures.
• Ensures preparation and processing of forms and legal documents for loans.
• Participates in appraisals and loan closings as required.
• Maintains customer confidence and confidentiality of loan information.
• Complies with BSA/AML/OFAC internal controls and reporting.

Skills

Communication skills

Sales skills

Customer service

Public relations

Community activities

Education

Bachelor's degree or equivalent education or experience

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Retail Relationship Manager

COLUMB Full Time Professional Columbia, IL, US

2 days ago Requisition ID: 1439

Salary Range: $57,000.00 To $88,000.00 Annually

Position

Retail Relationship Manager

Reports to

EVP/CLO or SVP/Senior Relationship Manager

Summary

A Relationship Manager is responsible for providing sales and service to existing and prospective loan customers.

Primary Accountabilities

• Provides information to customers regarding Bank loan opportunities and policies
• Advises customers of options available to them, explains the differences between various types of mortgages, and negotiates terms and conditions of loans
• Makes sales calls to potential and existing customer to pursue and retain loan business
• Solicits loan business through contacts with Brokers, builders, developers, and realtors.
• Interviews loan applicants to discuss loan requirements, ascertain customer’s capacity to repay, and assess the degree of risk involved.
• Completes loan contracts by explaining provisions to customers; obtaining signatures and notarizations; verifies financial information supplied and collects fees
• Looks for ways to improve loan applications and documentation by informing customers of additional requirements
• Helps customers by answering debt/loan questions; responds to customer requests
• Rejects loans by explaining deficiencies
• Develops and maintains customer confidence in the Bank by keeping loan information confidential
• Ensures the preparation and processing of forms and legal documents required for loans.
• Participates in appraisals and loan closings as required
• Continuously updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional/community organizations/events
• It is the responsibility of every Bank employee to maintain an effective BSA/AML/OFAC internal control structure, including suspicious activity monitoring and reporting. Every employee that comes in contact with a reportable transaction and/or suspicious activity should obtain the proper documentation and file the appropriate report in a timely manner.
• Other duties as assigned

Education/Experience

• Bachelor's degree or equivalent education or experience
• 3 to 5 years Bank Lending experience.
• Professional level of communication, sales and customer service skills.
• Ability to handle Public Relations and Community Activities.

Physical Demands/Work Environment

Travel via personal transportation to meet clients is required. Individuals must be able to move about freely, stand or sit for several hours at a time and have manual dexterity. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

First National Bank of Waterloo is an Equal Employment Opportunity employer.