RFP - Consumer Relationship Manager

First Financial Bank • Conroe, TX

2d • Onsite

About The Position

The Consumer Relationship Manager works exclusively with Retail Finance deals, servicing dealers and meeting customer needs while contributing to the Bank’s profitability. The role makes Retail Finance Program credit decisions in accordance with the Bank’s quality and profitability standards and lending policies, procedures, and limits. The position has frequent contact with Retail Finance dealers through face-to-face interactions, telephone calls, and written communication.

The incumbent is responsible for sound credit extensions or denials for direct and indirect customer loans and for the terms offered. The role also manages other credit analysts and is accountable for the terms of credit they extend. The position includes administrative responsibilities related to the Retail Finance Program, such as contract maintenance, credit decisions, loan worksheets, and dealer files. The incumbent is trained in credit decisions, compliance, administration, relationship development, and building the Retail Finance Program.

The role promotes customer relations, develops quality new business including profitable depository accounts, and participates in the Bank’s Customer Service First sales and service culture while supporting organizational values and following company policies and procedures. It reports to the Executive Vice President – Consumer Lending Manager and may receive guidance from the SVP of Consumer Loans.

Requirements

• Accounting, business, or finance degree required.
• Normally requires a minimum of 4 years of banking experience.
• Thorough working knowledge of credit analysis and loan documentation.
• Knowledge of bank operations and business development skills.
• Excellent communication and human relations skills.
• Seasoned experience in consumer and retail lending, marketing, and management.

Responsibilities

• Make Retail Finance Program credit decisions consistent with the Bank’s quality and profitability standards.
• Promote good customer relations.
• Seek and develop quality new business, including profitable depository accounts.
• Make sound decisions to extend or deny credit for direct or indirect customer loans and determine the terms of credit.
• Manage other credit analysts and remain accountable for the terms of credit extended.
• Perform Retail Finance Program administrative functions, including contract maintenance, credit decisions, loan worksheets, and dealer files.
• Develop new relationships and help build the Retail Finance Program.
• Participate in the Customer Service First sales and service culture, support organizational values, and follow established company policies and procedures.
• Service Retail Finance deals and meet customer needs while contributing to Bank profitability.

What This Job Offers

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