Relationship Manager III

The RM is responsible for building comprehensive financial relationships with existing and prospective clients by combining a thorough knowledge of the client’s operations, condition, leadership, growth plans and economic/market trends, to recommend appropriate financial services (loans, deposit accts./ treasury services). Working closely with a Portfolio Manager (PM), the RM is responsible for analysis of a client’s or prospect’s financial condition to determine the risk of credit extensions and for recommending credit structures to mitigate risks.

The RM leads presentations to CCB leadership to obtain loan approval and to the Executive Loan Committee for review. The RM recommends deposit accts. and treasury services to support the client’s cash management needs.

PRINCIPAL

RESPONSIBILITIES AND DUTIES:

• The Relationship Manager is the primary point of contact for all clients where credit may be extended. As part of a team that includes a PM, TMSR and FSR, the RM solicits new client accounts and expands existing client relationships by building comprehensive financial relationships including:
• Working with clients and prospects to determine the general creditworthiness of the client/prospect (including understanding its needs, abilities, capacity, leadership, and growth plans) and the merits of the specific loan request.
• Maintaining a thorough knowledge of local market and economic trends to identify acceptable risks that fit within the bank’s policy.
• Independently or together with the PM, analyzes all available financial information, growth/development plans, economic and market trends, leadership (including background checks), and guarantors to recommend an appropriate loan and overall capital structure, deposit accounts, and treasury services that meet the client’s need and are within with bank policy. This includes assisting with or completing appropriate underwriting and analysis, specific to the SRRM’s assigned industry role, and coordinating the loan approval process with the Credit Department using the bank’s electronic credit system.
• Secures sufficient collateral and appropriate documentation in accordance with regulatory requirements and bank policy to appropriately collateralize and secure the bank’s risk position.
• Manages credit exposure within the hold limits based on loan grade and participates over hold exposure to other financial institutions.
• Leads presentations to CCB leadership and Executive Loan Committee that include an outline of the financial analysis, capital structure, interest rates, loan grade, strengths and weaknesses and a recommendation.
• Coordinates the loan documentation process, via the bank’s electronic credit system, by gathering/uploading all organization documents, relevant personal information, and additional information (title work, etc.) for use by loan services department. Prepares on-boarding forms (LDS) as needed.
• Together with the PM, reviews existing credit relationships to ensure compliance with terms of the Loan Agreement and to recognize and act on any developing trends. Reviews loan quality through statement/appropriate analysis, based on entity or project type, including a comparison of operating ratios to industry standards (where appropriate), cashflow, and collateral analysis. Recommend loan grade changes when appropriate. Where necessary, recommend loans for placement on the Loan Monitor List.
• Assesses risks associated with construction lending, including proper loan structure. Ensures adequate safeguards for the construction process to protect the bank against construction risks including adequacy of overall funding to complete the project, disbursing procedures that mitigate lien risks, and tracking of construction costs against budget. Maintains frequent communication with owner, contractor, and title representatives to facilitate project success.
• Creates detailed records and reports of activities by timely entering information into the bank’s CRM system (Salesforce).
• Calls on existing clients periodically to maintain the quality of account relationship and assure needs are being met; introduces clients to other departments where a service can be…