Relationship Manager - Dallas, TX

Texas Regional Bank•Dallas, TX

1d•Onsite

About The Position

The Relationship Manager manages and grows profitable lending relationships for the Bank under the direct supervision of the Market President. The role is responsible for meeting goals, cultivating business prospects, and developing new loan and deposit relationships. It requires a positive attitude, a desire to achieve goals, passion for banking, and dedication to success. The Relationship Manager develops and implements strategies to acquire high-value relationships, including referrals and cold calling; interviews prospective clients to determine loan needs and facilitate appropriate Bank products and services; and manages a loan and credit portfolio while maintaining close customer contact. The position participates in the loan application process, coordinates with underwriting and clients, monitors pending applications, and helps ensure loans close in a timely and organized manner. The role also monitors credit quality and data integrity, reports on an assigned loan portfolio, works with Senior Management and the Collections Department, and complies with Bank credit policies and applicable regulations. The Relationship Manager supports the Bank’s vision, mission, values, structure, policies, and procedures and performs other duties as assigned.

Requirements

At least five years of solid experience in new business development, deal structuring, underwriting, and portfolio management.
High school diploma or equivalent.
Computer literacy and ability to use Microsoft Windows, Excel, Outlook, Word, the Internet, and Bank-related software.
Ability to multitask while prioritizing responsibilities and tasks.
Strong communication skills.
Effective time-management skills.
Strong analytical, problem-solving, and mathematical skills.
Ability to make decisions and exercise sound judgment in matters involving clients, employees, and the Bank.
Ability to be physically present in the Bank to perform job duties.
Excellent analysis, observation, and decision-making skills.
Ability to work under high-pressure situations and in a stressful atmosphere while remaining composed.
Strong interpersonal and communication skills.
Ability to focus on key priorities, communicate them clearly, and ensure resources are properly aligned.

Nice To Haves

College degree preferred.

Responsibilities

Develop and implement strategies to identify, prioritize, and acquire high-value relationships, including soliciting referrals and cold calling.
Interview potential clients, determine their loan requirements, and introduce and facilitate the sale of appropriate Bank products and services.
Manage the credit portfolio and maintain close customer contact.
Participate in blitz calling days, joint client meetings, and community events with employees from other Bank departments.
Monitor credit quality and data integrity.
Manage a portfolio of loans and lines of credit, including analyzing borrowing base certificates, inspecting collateral, reviewing and approving advance requests, monitoring delinquencies and risk grades, and administering loan covenants.
Participate in the loan application process by obtaining completed application packages, preparing initial loan proposals, and following up on documents requested by underwriting.
Maintain active communication with the underwriting department and serve as the customer’s point of contact for questions, helping ensure client needs are met and loans close in an organized and timely manner.
Monitor pending loan applications to ensure timely responses from the Bank and clients, keep clients informed of progress, and prevent applications from becoming stale.
Manage and report on an assigned loan portfolio, including discussing clients with Senior Management and assisting the Collections Department.
Adhere to the Bank’s credit policies, guidelines, and applicable regulatory requirements.
Support and promote the Bank’s vision, mission, core values, organizational structure, policies, and procedures.
Maintain effective relationships with Board members, officers, employees, and members of the business and civic community.
Comply with federal and state regulations and established Bank policies and procedures.
Perform other duties as assigned.