Business Relationship Manager III (SA)

Lone Star National Bank • Shavano Park, TX

1d • Onsite

About The Position

The Business Relationship Manager III (SA) develops new commercial banking business prospects in accordance with established business development plans. This role also retains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plans. The position handles a commercial loan portfolio of $25MM - $54MM and is expected to generate between $12MM – $18MM in annual gross production. The role requires maintaining a steady pipeline and consistent, growing annual production, strategizing and selling effectively in any economic or competitive market. The Business Relationship Manager III actively contributes to banking center goals and individual sales/referral goals by cross-selling and referring customers to bank business partners for more complex financial needs such as Commercial Lending, Mortgage, Insurance, Investments, Merchant Services, Wealth Management, or Treasury Management. They structure and present credit and deposit products and services, negotiate credit pricing and terms, and oversee the preparation of new and renewal loan packages. Additionally, they may solicit or take residential mortgage loan applications and manage the hiring, daily activities, coaching, evaluating, and counseling of reporting staff. The role also involves maintaining current knowledge of internal risk controls, loss prevention, and adherence to all federal and state laws, regulations, and bank policies, including BSA/OFAC/USA Patriot Act/CIP/AML.

Requirements

• Must be a team player with a Bachelor’s degree in business, finance, accounting, or a related discipline.
• Must have at least five years’ prior lending experience working in a large financial institution.
• Strong business acumen and sound judgment are required in order to accurately 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 in order to support loan decisions is necessary.
• Must maintain knowledge of the bank’s products and services regarding commercial banking pricing and products.
• Must stay abreast of effective sales and service practices, and any relevant industry trends or other necessary information.
• Attention to detail and the ability to work in a high-pressure environment with frequent interruptions are required in order to accurately perform tasks.
• Strong interpersonal and organizational skills are necessary for maintaining effective relationships with employees, customers, and prospective customers, directors, and shareholders.
• Good verbal and written communication skills.

Nice To Haves

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

Responsibilities

• Develops new commercial banking business prospects in accordance with established business development plan.
• Retains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plans.
• Handles commercial loan portfolio of $25MM - $54MM and is able to generate between $12MM – $18MM in annual gross production.
• Maintains a steady pipeline and annual production remains reasonably consistent and growing year over year, despite economic conditions.
• Is able to strategize and confidently sell within any economic and competitive market environment.
• Actively contributes to help meet the banking center’s goals, as well as individual sales and referral goals by cross-selling and referring customers to bank business partners when more complex financial needs are recognized such as; Commercial Lending, Mortgage, Insurance, Investments, Merchant Services, Wealth Management or Treasury Management.
• Structures and presents credit and deposit products and services to the customer with collaboration as needed from other business units.
• Negotiates within guidelines as to credit pricing, terms, and structures with an emphasis on closing sales.
• Oversees preparation of new and renewal loan packages for approval and facilitation of the credit approval process.
• May solicit or take residential mortgage loan applications; may offer or negotiate the terms of residential mortgage loan applications.
• Manages the hiring, daily activities, coaching, evaluating and counseling of reporting staff.
• Participates in job specific training and other various Bank training programs, as necessary.
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensures adherence by the respective department personnel.
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations, and ensures adherence by the respective department personnel.
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensures adherence by the respective department personnel.

Benefits

• All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function.
• Encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level