Relationship Manager in Palestine

Austin Bank•Palestine, TX

17h•Onsite

About The Position

The Relationship Manager is responsible for understanding and complying with regulatory requirements for financial transactions, particularly the Bank Secrecy Act (BSA) and Customer Identification Program (CIP). This role emphasizes superior customer service and building strong customer relationships to provide the best banking and financial solutions, fostering loyalty to Austin Bank. The position involves developing a teamwork atmosphere, staying updated on company communications, and pursuing ongoing training for personal skill development. Upholding the organization's values of ethics, integrity, and confidentiality is crucial. Key responsibilities include greeting customers, providing exceptional service, interviewing applicants for loan applications, analyzing financial status and credit, ensuring loan agreement accuracy, and resolving discrepancies. The role involves approving loans within limits or referring to a loan committee, conferring with underwriters, developing new business through customer outreach and networking, collecting on past due accounts, and assisting senior loan officers. Additionally, the Relationship Manager provides routine platform services, answers customer inquiries via phone and in person, notarizes documents, performs property inspections and collateral assessments, manages files, inputs loan information and UCC filings, prepares monthly reports, reviews booked loans, prepares correspondence, and maintains VSI insurance and ticklers. Adherence to established department and Bank policies, procedures, objectives, and quality assurance is required. Professional growth is encouraged through educational programs, literature, community involvement, and in-service meetings. The role requires professionalism, courtesy, and tact in interactions with Bank personnel, regular and prompt attendance, and maintaining confidentiality at all times.

Requirements

Ability to perform each essential duty satisfactorily.
Knowledge, skill, and/or ability required for the job.
Ability to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.
Superior customer service skills.
High quality relationship building techniques.
Ability to promote a loyal relationship between the customer and Austin bank.
Ability to develop a teamwork atmosphere with co-workers.
Ability to stay abreast of company communications.
Ability to take advantage of appropriate communication channels regarding bank related business matters.
Ability to develop personal skills and capabilities through on-going training.
Ability to uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally.
Ability to greet customers and provide superior customer service.
Ability to interview applicant and request specified information for loan applications.
Ability to pull credit files and credit reports.
Ability to analyze applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
Ability to ensure loan agreements are complete and accurate according to policy.
Ability to correspond with or interview applicant or creditors to resolve questions regarding application information.
Ability to approve loan within specified limits or refer to loan committee for approval and/or prepare and send out denials.
Ability to confer with underwriter regarding lending applications.
Ability to call on potential or existing customers to develop new business or retain existing business.
Ability to network with title companies, real estate offices.
Ability to work past due accounts in attempt to collect funds.
Ability to analyze potential loan markets to develop prospects for loans.
Ability to participate with and assist senior loan officers on larger loans.
Ability to provide customers with routine platform services, such as approving checks for cashing or handling customer problems.
Ability to provide exceptional customer service.
Ability to greet customers and answer questions.
Ability to answer telephone calls taking messages, forwarding calls or providing assistance to customers.
Ability to notarize documents.
Ability to perform property inspections and collateral assessment.
Ability to perform file maintenance.
Ability to input loan information on the system and complete entries.
Ability to input UCC filings.
Ability to prepare monthly reports.
Ability to review for accuracy loans already booked on the system.
Ability to prepare correspondence.
Ability to maintain/review VSI insurance and ticklers.
Ability to maintain established department and Bank policies, procedures, objectives and quality assurance.
Ability to enhance professional growth and development through participation in educational programs, current literature, community involvement and in-service meetings, etc.
Ability to use professionalism, courtesy and tact in working with Bank personnel.
Ability to report to work regularly and promptly.
Ability to maintain confidentiality at all times.

Responsibilities

Understand and comply with regulatory requirements for financial transactions, including Bank Secrecy Act (BSA) and Customer Identification Program (CIP).
Provide superior customer service and build strong customer relationships.
Interview applicants and request specified information for loan applications.
Pull credit files and credit reports.
Analyze applicant financial status, credit, and property evaluations to determine loan feasibility.
Ensure loan agreements are complete and accurate according to policy.
Correspond with or interview applicants or creditors to resolve questions regarding application information.
Approve loans within specified limits or refer to loan committee for approval and/or prepare and send out denials.
Confer with underwriter regarding lending applications.
Call on potential or existing customers to develop new business or retain existing business.
Network with title companies and real estate offices.
Work past due accounts in an attempt to collect funds.
Analyze potential loan markets to develop prospects for loans.
Participate with and assist senior loan officers on larger loans.
Provide customers with routine platform services, such as approving checks for cashing or handling customer problems.
Greet customers and answer questions.
Answer telephone calls, taking messages, forwarding calls, or providing assistance to customers.
Notarize documents.
Perform property inspections and collateral assessment.
Perform file maintenance.
Input loan information on the system and complete entries.
Input UCC filings.
Prepare monthly reports.
Review for accuracy loans already booked on the system.
Prepare correspondence.
Maintain/review VSI insurance and ticklers.
Maintain established department and Bank policies, procedures, objectives, and quality assurance.
Enhance professional growth and development through participation in educational programs, current literature, community involvement, and in-service meetings.
Use professionalism, courtesy, and tact in working with Bank personnel.
Report to work regularly and promptly.
Maintain confidentiality at all times.