Relationship Manager in Kilgore

Banking & Lending in East Texas•Kilgore, TX

About The Position

The Relationship Manager provides customer service and develops banking relationships while handling loan origination and servicing activities. The role interviews loan applicants, gathers and analyzes financial and credit information, evaluates property and collateral, and determines whether applications meet lending requirements. The Relationship Manager may approve loans within specified limits, refer applications for committee approval, or prepare and send denials, coordinating with underwriters and senior loan officers as needed. The position also develops and retains business through customer outreach and networking, works past-due accounts, and provides routine platform services. Administrative duties include maintaining loan files and system records, preparing reports and correspondence, processing UCC filings, reviewing booked loans for accuracy, and maintaining VSI insurance and ticklers. The employee is expected to comply with applicable regulatory requirements, including BSA and CIP, protect confidentiality, follow bank policies, and contribute to teamwork and professional development.

Requirements

Ability to perform each essential duty satisfactorily.
Knowledge, skills, and abilities representative of those required to perform the listed duties.
Compliance with applicable financial transaction regulations, particularly BSA and CIP requirements.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Responsibilities

Understand and comply with regulatory requirements for financial transactions, especially Bank Secrecy Act (BSA) and Customer Identification Program (CIP) requirements related to the role.
Provide superior customer service and build customer relationships that address customers’ banking and financial needs.
Promote customer loyalty to Austin Bank.
Contribute to a teamwork atmosphere by attending meetings, participating in discussions, treating coworkers respectfully, and supporting departmental goals.
Stay informed through company communications and use appropriate channels for bank-related business matters.
Develop personal skills and capabilities through ongoing training.
Safeguard the organization’s values, including ethics, integrity, and confidentiality.
Greet customers, answer questions, and provide routine platform services, including approving checks for cashing and handling customer problems.
Interview loan applicants and request information required for loan applications.
Pull credit files and credit reports; analyze applicants’ financial status, credit, and property evaluations to assess loan feasibility.
Ensure loan agreements are complete and accurate according to policy.
Resolve questions about application information by corresponding with or interviewing applicants or creditors.
Approve loans within specified limits, refer loans to the loan committee, or prepare and send denials.
Confer with underwriters regarding lending applications and assist senior loan officers with larger loans.
Call on potential or existing customers to develop new business or retain existing business; network with title companies and real estate offices.
Analyze potential loan markets to develop loan prospects.
Work past-due accounts in an attempt to collect funds.
Answer telephone calls, take messages, forward calls, or assist customers.
Notarize documents; perform property inspections and collateral assessments.
Maintain files, input loan information and system entries, and process UCC filings.
Prepare monthly reports and correspondence; review booked loans for accuracy.
Maintain and review VSI insurance and ticklers.
Follow established department and Bank policies, procedures, objectives, and quality assurance requirements.
Support professional growth and development through educational programs, current literature, community involvement, and in-service meetings.
Work professionally, courteously, and tactfully with Bank personnel; report to work regularly and promptly; maintain confidentiality.