RELATIONSHIP MANAGER II

Glacier Bancorp, Inc.•St. George, UT

6d•Onsite

About The Position

Altabank, Division of Glacier Bank, is looking for a Full-time Commercial Loan Officer II for our St George branch. Summary Position Purpose In partnership with branch/department employees, the Relationship Manager II helps ensure the branch/department controls and the risks to the Bank are met. They also work to meet organizational, financial, operation, service, sales, and growth plans. They will follow established policies and procedures in all areas of the Bank. Oversees provision of a full range of services to internal/external customers and prospective customers. Ensures with Bank partners, that internal/external customers are promptly and professionally served. Builds and manages a loan portfolio of $15 million or higher with little or no loss, and with the overall objective of maintaining and increasing asset quality and generating fee income. Helps ensure honest, open communication is occurring in their loan team, branch, and departments of the Bank they interact with. Fosters an atmosphere of professionalism, trust, teamwork, and caring.

Requirements

Two to five years of similar or related experience.
A college degree or equivalent combination of education and experience.
Must have experience analyzing business financial statements and other pertinent data for assessing risk.
Understanding of business entity structures.
Must have knowledge of bank products, lending law and compliance requirements.
Good computer skills, including the use of CRM tools.
Good communication and writing skills.
Strong managerial skills.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
Employee must be capable of regular, reliable, and timely attendance.
Ability to adapt to change (e.g. shifting priorities, demands, and timelines) through time management, analytical, and problem-solving skills.
Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions.
Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra.
Ability to use passive vocabulary of 5,000-6,000 words; read at a slow rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs. Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary.

Responsibilities

Originate new loan commitments each year in accordance with the Bank’s incentive compensation plan.
Generate and manage a loan portfolio of $15-20 million or higher with the overall objective of maintaining and increasing its asset quality and generating fee income.
Manage construction, CRE, SBA, consumer, and C&I loans i.e. ensures compliance with terms and conditions of the loan agreement, collect on past due loans, covenant monitoring, accurate loan grading, and completing other monitoring reports as assigned in a timely manner.
Take applications for loan business and analyze the degree of risk involved in making a credit decision.
Calls on new and existing customers to expand and develop relationships with an emphasis on attracting new and additional loans, deposits, and other Bank products.
Effectively work with a team to prepare and present loans for approval.
Process loan renewals and extension requests.
Reviews all loan documents for completeness, accuracy, and compliance and clearly reviews the details of the approved loan with the customer.
Must produce increasing profitable loan volume, maintain a low delinquency and charge off rate, and ensure that lending operations are in accordance with established Bank policies and procedures.
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Stays current on all bank policies, procedures, processes, products, and services by participating in various learning activities.
Responds in a timely manner to internal audits, and other management reporting requests.
Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given, they need to reach out to their supervisor for further clarification or additional training.
Adhere to Altabank Core Values.
Keeps management appropriately informed of area activities and of any significant problems.
Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Altabank.
Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
Represent Altabank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility, team work, and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
Duties can change.