Business Relationship Manager I (SA)

Lone Star National Bank•Shavano Park, TX

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, grows a loan portfolio focused on small and local businesses, and generates between $3 million and $6 million in annual gross production. The manager collaborates with banking center staff and other bank business partners to meet banking center and individual sales and referral goals, and structures and presents credit and deposit products and services to customers. The position negotiates credit pricing, terms, and structures within established guidelines, oversees preparation of new and renewal loan packages, and facilitates the credit approval process. It may also involve soliciting or taking residential mortgage loan applications and offering or negotiating their terms. The role manages reporting staff, including hiring, daily activities, coaching, evaluation, and counseling. It also requires maintaining current knowledge of risk controls, loss prevention, applicable laws and regulations, bank policies and procedures, and BSA/OFAC/USA Patriot Act/CIP/AML requirements, and ensuring staff adherence. Employees must attend required training and comply with federal banking laws and internal policies. The role reports directly to the Chief Lending Officer and/or a Market President and 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.
Strong business acumen and sound judgment to assess prospect and client creditworthiness and probability of repayment.
Credit analysis training or sufficient knowledge of credit analysis methods and techniques to support loan decisions.
Knowledge of the bank’s commercial banking products, services, pricing, and products.
Knowledge of effective sales and service practices and relevant industry trends or 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.
Ability to comply with applicable federal banking laws and regulations and 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 according to the established business development plan.
Retain and deepen existing customer relationships through excellent customer service and effective individual business plans.
Grow a loan portfolio targeting small and local businesses and generate $3 million to $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 through cross-selling and referrals to bank business partners when customers have more complex financial needs.
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 for approval 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 and other bank training programs as necessary, and complete required trainings.
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, regulations, bank policies and procedures, and internal audit controls related to department operations; ensure personnel adherence.
Maintain knowledge of BSA/OFAC/USA Patriot Act/CIP/AML rules, regulations, and laws and ensure personnel adherence.
Support community growth and service through participation in bank-sponsored, civic, charitable, or community activities, as encouraged.