Business Relationship Manager I

LONE STAR NATIONAL BANK•Roma, TX

158d•Onsite

About The Position

The Business Relationship Manager I develops new commercial banking business prospects in accordance with the established business development plan. The role retains and deepens existing customer relationships through excellent service and effective individual business plans, and grows a loan portfolio by targeting small and local businesses, with annual gross production of $3MM–$6MM. The position works collaboratively with banking-center staff and contributes to center goals and individual sales and referral goals by cross-selling and referring customers to relevant bank business partners. The manager structures and presents credit and deposit products and services, negotiates credit pricing, terms, and structures within guidelines, and oversees preparation of new and renewal loan packages and the credit approval process. The role may also solicit or take residential mortgage loan applications or offer or negotiate their terms. It manages the hiring, daily activities, coaching, evaluation, and counseling of reporting staff, and maintains knowledge of risk controls, loss prevention, applicable banking laws and regulations, and bank policies and procedures, including BSA/OFAC/USA Patriot Act/CIP/AML requirements. The position requires participation in job-specific and other bank training, including mandatory and regulatory compliance training. Employees are encouraged to volunteer in bank-sponsored, civic, charitable, and community activities and to participate in the communities served. The role is located in Roma, Texas, and reports directly to the Chief Lending Officer and/or a Market President. It may oversee a Lending Specialist.

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.
Team-player approach.
Strong business acumen and sound judgment to assess prospect and client creditworthiness 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.
Ensure actions comply with federal banking laws and regulations and internal bank policies and procedures.

Nice To Haves

Advanced industry-sponsored lending and marketing courses are preferred.
Bilingual 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 $3MM and $6MM 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 through 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.
May solicit or take residential mortgage loan applications and may 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 needed.
Maintain knowledge of internal risk controls and loss prevention, report suspicious or unusual customer activity per bank policy, and ensure department personnel adhere to these requirements.
Maintain knowledge of and comply with federal and state laws, regulations, bank policies and procedures, and internal audit controls; ensure department personnel adhere to them.
Maintain knowledge of BSA/OFAC/USA Patriot Act/CIP/AML rules, regulations, and laws, and ensure department personnel adhere to them.
Attend mandatory scheduled training and complete applicable online regulatory compliance training.
Employees are encouraged to volunteer for bank-sponsored activities, civic, charitable, and community events and to be active in the communities served.