Relationship Manager

Overview

Relationship Manager at Smart Bank.

• Comprehensive benefits - medical, dental, vision, life, and disability insurance
• Matching 401(k)
• Generous paid time off (PTO)
• Smart Flex 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

• Upholding Smart Bank 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 requests 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 for monitoring overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and Smart Bank.
• Evaluating potential customer loan requests and making 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.

• High School Diploma required.
• Bachelor’s degree in business, finance or management preferred.
• Minimum of 5 years experience in banking or sales lending field.
• RMA – Credit Risk Certification preferred
• Graduate School of Banking preferred
• TBA Lending Schools – Commercial Lending preferred