Business Relationship Manager I (SA)

LONE STAR NATIONAL BANK•Shavano Park, TX

8d•Onsite

About The Position

The Business Relationship Manager I develops new commercial banking business prospects in accordance with an established business development plan. The role retains and deepens existing customer relationships through customer service and individual business plans, grows a loan portfolio focused on small and local businesses, and generates between $3 million and $6 million in annual gross production. The manager works closely with banking center staff and contributes to center and individual sales and referral goals. The position structures and presents credit and deposit products, negotiates credit pricing and terms within guidelines, and oversees preparation of new and renewal loan packages and the credit approval process. It may also involve soliciting or taking residential mortgage loan applications and offering or negotiating their terms. The manager oversees reporting staff and ensures compliance with bank policies, risk controls, and applicable federal and state laws and regulations, including BSA, OFAC, the USA Patriot Act, CIP, and AML requirements. The position reports directly to the Chief Lending Officer and/or a Market President and may oversee a Lending Specialist. Employees must attend required training and comply with applicable banking laws, regulations, and bank policies. Lone Star National Bank encourages employees to volunteer for bank-sponsored, civic, charitable, and community activities.

Requirements

Bachelor’s degree in business, finance, accounting, or a related discipline.
At least three years of prior experience working as a Credit Analyst for a financial institution.
Strong business acumen and sound judgment to assess the creditworthiness of prospects and clients and the probability of successful repayment.
Credit analysis training or sufficient knowledge of credit analysis methods and techniques to support loan decisions.
Maintain knowledge of the bank’s commercial banking products, services, pricing, and products.
Stay current on effective sales and service practices, relevant industry trends, and other necessary information.
Attention to detail and ability to work in a high-pressure environment with frequent interruptions.
Strong interpersonal and organizational skills for maintaining effective relationships with employees, customers, prospective customers, directors, and shareholders.
Good verbal and written communication skills.
Must comply with applicable federal banking laws and regulations, internal bank policies, and procedures.

Nice To Haves

Advanced industry-sponsored lending and marketing courses are preferred.
Bilingual ability in English and Spanish is desired.

Responsibilities

Develop new commercial banking business prospects in accordance with the established business development plan.
Retain and deepen existing customer relationships through excellent customer service and effective individual business plans.
Grow a loan portfolio by targeting small and local businesses and generate between $3 million and $6 million in annual gross production.
Build a team and work cohesively with banking center staff.
Contribute to banking center goals and individual sales and referral goals by cross-selling and referring customers to bank business partners when complex financial needs are identified.
Structure and present credit and deposit products and services, collaborating with other business units as needed.
Negotiate credit pricing, terms, and structures within guidelines, with an emphasis on closing sales.
Oversee preparation of new and renewal loan packages and facilitate the credit approval process.
As applicable, solicit or take residential mortgage loan applications and offer or negotiate their terms.
Manage the hiring, daily activities, coaching, evaluation, and counseling of reporting staff.
Participate in job-specific training and other bank training programs as necessary.
Maintain knowledge of internal risk controls and loss prevention, report suspicious or unusual customer activity according to bank policy, and ensure department personnel adhere to requirements.
Maintain knowledge of and comply with federal and state laws and regulations and bank policies and procedures, including internal audit controls, and ensure department personnel adhere to them.
Maintain knowledge of BSA, OFAC, USA Patriot Act, CIP, and AML requirements and ensure department personnel adhere to them.
Attend mandatory training and complete applicable online regulatory compliance courses.
Employees are encouraged to volunteer for bank-sponsored activities and civic, charitable, and community events and to be active in the communities served.