Relationship Manager III - Middle Market

Company: Independent Financial
Location: Garland
Posted on: May 12, 2022

Job Description:

The Relationship Manager is responsible for developing and managing commercial banking relationships to maximize profitability to the bank with acceptable risk; through relationship management, credit management, and business development.Responsibilities:Relationship Management

• Manages the largest and most complex relationships that require in depth analysis
• Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions
• Ensures integrity and timeliness of customer information, documentation, and data
• Ensures each relationship is profitable and represents appropriate risk
• Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues
• Mentors junior staff and helps to manage workflow within the teamCredit Management
  • For new loan requests, assess borrower credit-worthiness in accordance with credit policy
  • Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned
  • Ensure that loans are documented in accordance with credit approvals
  • Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activityBusiness Development
    • Maintain expert knowledge of commercial banking products & services
    • Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities
    • Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management
    • Provide existing and prospective customers with appropriate financial services and advice
    • Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations.
    • Maintain a pipeline of business leaders and prospectsQualifications:Education Requirements
      • Bachelors degreeMinimum Experience
        • Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager
        • Minimum 4 years of experience as a relationship manager
        • Expert understanding of treasury management services and other banking productsKnowledge/ Skills/ Abilities
          • Expert accounting & finance knowledge
          • Exceptional technical skills
          • Expert knowledge of laws and regulations, and compliance related to commercial lending
          • Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value
          • Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills
          • Ability to work in a team environment and demonstrate flexibility as business dictates
          • Ability & willingness to investigate, resolve, and recommend process improvement opportunities
          • Ability to effectively plan, manage, and delegate to othersJob Details:Regular

Keywords: Independent Financial, Garland , Relationship Manager III - Middle Market, Executive , Garland, Texas