AVP Assistant Relationship Manager

First Financial Bank•Southlake, TX

About The Position

The AVP Assistant Relationship Manager provides sound and profitable lending solutions to commercial customers and helps maintain a full-service banking atmosphere. The role works with Commercial Lenders in every Bank market on selected credits that require advanced expertise and monitoring. It also has daily contact with customers, bank management, loan administration personnel, and other Bank personnel to ensure customer needs are met. The position monitors financial reporting and covenants, obtains and analyzes client financial information, prepares loan file and approval memos, and reviews loan closing documents and agreements for consistency with approved terms and requirements. The incumbent presents analysis, findings, and recommendations to managers, including assessments of a borrower’s ability to repay, and stays current with the company’s lending protocols.

Requirements

A four-year business degree with an emphasis in accounting and/or finance.
One year of credit analyst experience at a financial institution.
Thorough documentation abilities and underwriting skills.
Proven business development skills.
Ability to analyze financial statements and communicate strengths and weaknesses concisely and accurately.
Good communication and interpersonal skills.
Working knowledge of all bank services.

Nice To Haves

Knowledge of commercial lending laws, regulations, and procedures, and experience in credit and/or collections are preferred.
Formal credit training through the FFB Analyst Program or another banking institution is preferred.

Responsibilities

Work directly with Commercial Lenders in every Bank market on certain credits requiring advanced expertise and monitoring.
Monitor and track financial reporting and covenants for assigned credits.
Calculate financial covenant ratios according to loan agreements and reconcile discrepancies between the Bank and borrowers.
Obtain financial information from clients within the parameters of loan agreements.
Analyze financials for existing relationships and prepare updated loan file memos and approval memos.
Review closing documents to ensure alignment with loan committee-approved terms.
Review loan agreements to ensure financial covenants, reporting requirements, and other requirements are clearly and correctly defined.
Work with Lenders to correct discrepancies or inconsistencies between approved terms and loan agreements.
Present analysis, findings, and recommendations to managers, especially findings involving a borrower’s ability to repay.
Keep up to date with the company’s lending protocols.