Middle Market Banking - Relationship Manager II

NBH Bank•Salt Lake City, UT

63d

About The Position

It starts with our culture ... Common sense has never been common. If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions. That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings. We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work. This job requires connecting with people quickly in an outgoing, friendly manner. The use of persuasive communication skills to gain the interest and involvement of others in the work process is an important aspect of the job. An extreme sense of urgency is needed, combined with getting work done in complete, accurate detail and in accordance with company standards and policies. The motivation for this position comes from a strong sense of duty and a feeling of responsibility for completing work both quickly and correctly. A faster than average work pace is necessary combined with impatience for results. Follow-up of delegated work must be very thorough. Decision making will be done with the ideas and advice of others, but always carefully and cautiously within the guidelines of established company policy. Selling ideas to others and the ability to train, teach and motivate a team are strong aspects of this position. Change is an ongoing occurrence of this job and will be approached conservatively and with the support and guidance of management. As a Commercial and Specialty Banking Relationship Manager II, you will ensure the overall success and growth of an assigned portfolio by deepening relationships of existing clients and through the acquisition of new clients, while cross-sell lending, depository and Treasury Management products to new and existing bank clients. You will be responsible for a variety of tasks including reviewing the clients credit needs, designing solutions, negotiating credit terms, loan repayment methods and collateral specifications with the client. You will manage the existing portfolio of clients and monitor the client relationship for compliance with credit standards, as well as updating financials, maintaining insurance on bank collateral and reviewing loans for accurate grades, and handle relationships greater than $2 million in credit exposure and over $25,000 in fee income. Additionally, Commercial and Specialty Banking Relationship Manager IIs are expected to provide financial advice and counsel to clients and prospective clients regarding trends and conditions of the business environment and general banking trends, review loan documents to ensure that they are in accordance with the Loan Policy and with banking laws and regulations, maintain compliance with all Federal and State regulations, including laws, rules and regulations dealing with safety and soundness, consumer protection and privacy and non-discrimination, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position. All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Requirements

Bachelor's degree in business, finance or related field or combination of education and work experience.
7+ years of relevant experience
Good managerial, communication and sales skills

Nice To Haves

MBA or master's degree in business, finance or related field or combination of education and work experience
7+ years of Commercial or Specialty experience
7+ years of commercial credit experience
Completed formal credit training program.
Strong communication and sales skills.
Strong business development skills as well as an overall understanding of credit and business finance.
Strong networking skills and participation in networking events in the market area
Competent in the operation of standard office equipment including computer, fax, ten (10) key calculator and phone.
Competent in the use of standard office software including Microsoft Outlook, Excel and Word.
Solid knowledge of banking policies, regulations and compliance issues.
Solid ability to analyze financial statements.
Solid knowledge of basic accounting principles.
Must possess a valid driver's license.
Strong interpersonal skills with the ability to build peer and/or team cohesiveness to deliver the full complement of bank products and services
Self-directed and motivated to accomplish tasks, meet objectives and committed timelines.
Strong oral and written communication skills with the ability to clearly and concisely articulate issues.

Responsibilities

ensure the overall success and growth of an assigned portfolio by deepening relationships of existing clients and through the acquisition of new clients
cross-sell lending, depository and Treasury Management products to new and existing bank clients
reviewing the clients credit needs
designing solutions
negotiating credit terms, loan repayment methods and collateral specifications with the client
manage the existing portfolio of clients and monitor the client relationship for compliance with credit standards
updating financials
maintaining insurance on bank collateral
reviewing loans for accurate grades
handle relationships greater than $2 million in credit exposure and over $25,000 in fee income
provide financial advice and counsel to clients and prospective clients regarding trends and conditions of the business environment and general banking trends
review loan documents to ensure that they are in accordance with the Loan Policy and with banking laws and regulations
maintain compliance with all Federal and State regulations, including laws, rules and regulations dealing with safety and soundness, consumer protection and privacy and non-discrimination
build a great rapport with clients and fellow associates
treat others with respect and consideration regardless of their status or position