Relationship Manager - Dallas, TX

TRB 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 opportunities, and generating new loan and deposit relationships. It requires a positive attitude, a desire to achieve goals, a passion for banking, and dedication to success. The Relationship Manager develops new business, interviews prospective clients, identifies their lending needs, and facilitates the sale of appropriate Bank products and services. The role also manages a loan and credit portfolio, monitors credit quality and data integrity, and coordinates with underwriting and other Bank departments to support timely loan decisions and closings. The position requires compliance with Bank credit policies, applicable regulations, and established procedures.

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.
Must be physically present at the Bank to perform job duties.

Nice To Haves

College degree preferred.

Responsibilities

Develop and implement strategies, including referral solicitation and cold calling, to identify, prioritize, and acquire high-value relationships.
Interview prospective clients, determine loan requirements, and introduce and facilitate the sale of appropriate Bank products and services.
Manage the credit portfolio and maintain close customer contact.
Participate with employees from other Bank departments in activities such as blitz calling days, joint client meetings, and community events.
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 delinquency and risk grading, and administering loan covenants.
Participate actively 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 to address questions and help 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 support timely closings.
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.
Use analysis, observation, and decision-making skills; determine priorities, communicate them clearly, and align resources appropriately.
Maintain effective relationships with Board members, officers, employees, and members of the business and civic community.
Remain composed while working in high-pressure situations and a stressful atmosphere.
Provide visible, compassionate leadership that fosters positive attitudes and trust among employees, customers, and prospects.
Comply with federal and state regulations and established Bank policies and procedures.
Perform other duties as assigned.