The Relationship Manager drives commercial loan production by developing and expanding relationships with businesses, individuals, and community partners. Through networking, community involvement, and direct customer engagement, this role generates referrals, identifies lending opportunities, and grows related deposit and financial service relationships. The position reports to the Bank President/CEO.

Responsibilities

• Engage in local community involvement efforts to increase Bank’s visibility, establish and maintain relationships and goodwill within the market, and generate new business opportunities.

• Interview applicants, complete applications, collect documentation, and underwrite loan requests.
• Maintain timely, reliable communication with applicants throughout the loan process.
• Structure loans and recommend rates based on collateral, cash flow, and borrower creditworthiness; perform additional credit analysis as needed.
• Analyze financial information for new loans, renewals, and portfolio management in accordance with Bank policies.
• Prepare and present complete, accurate commercial loan proposals.
• Guide loan requests through credit approval, balancing client needs with Bank objectives.
• Monitor loan payments and address past-due accounts.
• Manage the loan portfolio, including covenant tracking, annual reviews, and exception resolution.
  
• Demonstrate and communicate the Bank’s commitment to a culture of professionalism, compliance, high ethical standards, integrity, and respect.

Qualifications

• 4-6 years of commercial lending experience required.
• Demonstrated ability to originate effectively and efficiently manage a commercial loan portfolio.
• Proven record of sustained production and relationship growth.
• Existing client relationships, referral sources, or portable book of business strongly preferred.
• High school diploma or equivalent required; college education preferred.

Required Skills

• Exceptional attention to detail.
• High level of personal accountability and integrity.
• Strong analytic and problem-solving skills.
• Excellent communication skills.

• Professional and articulate verbal communication skills, both in person and via telephone.
• Exceptional writing skills, demonstrating clarity and accuracy in vocabulary, grammar, spelling, and punctuation in all written correspondence and documentation.

• Ability to maintain strict confidentiality and handle sensitive financial information.
• Proven time management and organizational skills; able to effectively handle multiple priorities while maintaining a commitment to accuracy and timeliness.
• Ability to effectively and efficiently learn Bank software programs.
•  Strong working knowledge of Microsoft Word and Excel.