Relationship Manager

SmartBank Careers • Fairhope, AL

3d

About The Position

Relationship Manager SmartBank Associates enjoy an AMAZING benefits package: Comprehensive benefits- medical, dental, vision, life, and disability insurance Matching 401(k) Generous paid time off (PTO) SmartFlex Days Up to 11 Paid Company Holidays Incentive Program Mental Health Benefits Including 8 free sessions with a coach or certified professional Tuition Reimbursement Community Involvement Opportunities Company apparel provided at no cost Our Relationship Managers will be held accountable for: 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.

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

• Comprehensive benefits- medical, dental, vision, life, and disability insurance
• Matching 401(k)
• Generous paid time off (PTO)
• SmartFlex Days
• Up to 11 Paid Company Holidays
• Incentive Program
• Mental Health Benefits Including 8 free sessions with a coach or certified professional
• Tuition Reimbursement
• Community Involvement Opportunities
• Company apparel provided at no cost

What This Job Offers

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