What are the responsibilities and job description for the Relationship Manager position at THIRD COAST BANK?
Job Description
Job Description
Position Summary :
Responsible for individual and team efforts to develop and acquire new, profitable relationships and maintain existing ones. Responsible for evaluating, negotiating, and monitoring credits to maximize earnings for the bank. Responsible for the organic growth of the assigned market, through the development of existing team and potential strategic new hires. Ensures the portfolio achieves soundness, profitability, and growth objectives. Must also represent the Bank and its brand within the immediate community though community involvement to build a strong overall market presence.
Skills and Experience :
- 15 years’ work experience related to various aspects of commercial banking
- Demonstrating strong solution-oriented sales and communications skills and effectively establishing rapport and credibility with customers
- Builds knowledge of all clients and prospects by compiling an in-depth profile of commercial business owners and other principals. Ensures client’s depository, cash management and investment needs are identified and met.
- Reviews and analyzes commercial client financial documents to determine viability of future business and relationship expansion opportunities.
- Advises clients and recommends various loan products and services as well as discusses qualification requirements for each option.
- Provides superior level of customer service while actively managing commercial banking relationships. Responds and resolves client inquiries, identifies new opportunities and maintains understanding of client’s complete financial objectives.
- Develops information and makes loan presentations to appropriate loan committees, when required.
- Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues
- Must have good personal organization and time management skills
- Must understand and work effectively within the credit culture of the company
- Must allocate time effectively and independently prioritize workload to meet timelines
- Good mathematical, reading comprehension and writing skills
- Participate in all required compliance training, including Bank Secrecy Act / anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars / conferences, etc.
Qualifications :
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Experience :
