Relationship Manager

SmartBank • Destin, FL

4d • Onsite

About The Position

SmartBank is seeking a Relationship Manager to join our growing team. This role is responsible for developing new customer prospects and business for the financial institution, managing the loan application process from start to finish, and evaluating potential customer loan requests. The Relationship Manager will also monitor the profitability of relationships, negotiate terms, and ensure compliance with new laws and regulations. This position plays a key role in creating 'WOW' experiences for our clients by upholding SmartBank's core values and purpose.

Requirements

• High School Diploma required.
• Minimum of 5 years experience in banking or sales lending field.

Nice To Haves

• Bachelor’s degree business, finance or management preferred.
• RMA – Credit Risk Certification preferred
• Graduate School of Banking preferred
• TBA Lending Schools – Commercial Lending preferred

Responsibilities

• Upholding SmartBank Core Values and Core Purpose.
• Developing new customer prospects and business for the financial institution.
• Completing each loan application and all pre-processing functions in a timely manner.
• Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.
• Screening loan request based on financial institution policies and on types of loans offered by the institution.
• Orders appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.
• Responsible to monitor overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and SmartBank.
• Evaluating potential customer loan requests and makes loan recommendations to management.
• Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
• Communicating complex approvals or denials to the borrower.
• Promotes and participates in the financial institution’s special credit programs and other CRA programs.

Benefits

• medical insurance
• dental insurance
• vision insurance
• life insurance
• disability insurance
• 401(k) plan with a 4% employer match
• generous paid time off (PTO)
• SmartFlex Days
• 11 Paid Company Holidays
• paid community involvement
• company apparel
• tuition reimbursement

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED