Middle Market Banking - Relationship Manager III

NBH Bank•Dallas, TX

13h•Onsite

About The Position

The company culture emphasizes common sense, fairness, simplicity, and viewing clients as individuals rather than just numbers. There is a strong commitment to Equity, Diversity, and Inclusion, and the bank actively promotes community growth, revitalization, and sustainability through banking relationships, investing, grants, and volunteerism. The ideal candidate for this role is outgoing, friendly, and uses persuasive communication to engage others. They possess an extreme sense of urgency, are meticulous with details, and adhere strictly to company standards and policies. Motivation stems from a strong sense of duty and responsibility, requiring a faster-than-average work pace and impatience for results. Thorough follow-up on delegated tasks is essential. Decision-making is collaborative but cautious, always within established company policy. The role requires strong abilities in selling ideas, training, teaching, and motivating a team. Change is constant and approached conservatively with management support. As a Commercial and Specialty Banking Relationship Manager III, the role involves ensuring the overall success and growth of an assigned portfolio by deepening existing client relationships and acquiring new ones. This includes cross-selling lending, depository, and Treasury Management products. Responsibilities also encompass reviewing credit needs, designing solutions, negotiating credit terms, managing the existing portfolio, monitoring compliance, updating financials, maintaining insurance on collateral, and reviewing loans for accurate grades. The position handles relationships with over $2 million in credit exposure and over $25,000 in fee income. Additionally, the manager provides financial advice, reviews loan documents for policy and regulatory compliance, maintains adherence to all Federal and State regulations, builds strong rapport with clients and associates, and treats everyone with respect. All associates must maintain current knowledge and compliance with regulations and bank policies, including BSA and OFAC.

Requirements

Bachelor’s degree in business, finance or related field or combination of education and work experience
12+ years of relevant experience
Good managerial, communication and sales skills
Must possess a valid driver’s license

Nice To Haves

MBA or master’s degree in business, finance or related field or combination of education and work experience
15+ years of Commercial or Specialty experience
15+ 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
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
Review clients' credit needs
Design solutions
Negotiate credit terms, loan repayment methods and collateral specifications with the client
Manage the existing portfolio of clients
Monitor the client relationship for compliance with credit standards
Update financials
Maintain insurance on bank collateral
Review 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
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