SVP, Relationship Manager

Enterprise Bank & Trust • Phoenix, AZ

3d

About The Position

The SVP, Relationship Manager develops and manages new commercial deposit and loan accounts and client relationships while enhancing existing relationships. The role proactively provides financial solutions to existing and prospective clients, grows the bank’s deposit base, builds sound and profitable business relationships, assesses credit, meets customer needs, and complies with regulatory requirements. The position also serves as a mentor to other relationship managers and could evolve into a management or team leader role.

This role identifies deposit-driven commercial relationships and presents solutions involving treasury management, wealth products, and other services. It interviews applicants and gathers financial information, analyzes credit risk, approves loans within assigned lending authority, and escalates or presents other credits for approval. The relationship manager monitors existing loans, assists with larger and more complex credits, monitors market conditions, and maintains knowledge of commercial products to support cross-selling and the client experience.

The position may include responsibility for managing other associates.

Requirements

• Demonstrated skills in commercial credit underwriting, business development, and portfolio management for mid-sized companies.
• Seven or more years of related commercial banking experience and/or training.
• Excellent communication, presentation, and tactful interpersonal skills.
• Ability to work in a team environment and develop and retain client relationships.
• Proven ability to cross-sell banking products, including loans, deposits, and treasury management.
• Self-motivation, ability to work independently, and ownership of responsibilities.
• Effective time management and organizational skills.
• Attention to detail and accuracy when analyzing financial statements and presenting credit packages for formal approval.
• Sound business discretion, good judgment, and problem-solving skills.
• Basic knowledge of personal computer hardware and software, including Microsoft Word and Excel.
• Strong working knowledge of banking regulations, compliance standards, market trends, and products.
• Superior analytical and decision-making skills based on thoughtful risk assessment.
• Bachelor’s degree from a four-year college or university.

Nice To Haves

• A bachelor’s degree in Finance or Business, preferably with an emphasis in financial banking.
• Seven or more years of commercial lending experience.

Responsibilities

• Identify deposit-driven commercial relationships and present solutions using treasury management, wealth products, and other services.
• Manage and service commercial relationships by interviewing applicants and obtaining pertinent financial data.
• Analyze financial information and determine whether a credit is an acceptable risk.
• Approve loans within assigned lending authority and company policies and procedures.
• Recommend credits outside lending authority to the next approval level or present them to Loan Committee.
• Monitor existing loans for conformity to their terms and conditions.
• Participate with and assist other lending officers on larger, more complex credits.
• Monitor market conditions and competitor impact, and recommend ways to maintain a competitive and profitable product line.
• Develop and maintain knowledge of commercial loans, treasury management, trade service products, and deposits to facilitate cross-selling and enhance the client experience.
• Mentor other relationship managers.
• May manage other associates.

Benefits

• Annual paid volunteer time off.
• Charitable-matching opportunities.
• An array of benefits.
• Professional growth opportunities and the opportunity to chart a career path.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior