Relationship Manager

SUMMARY

The Relationship Manager (“RM”) is responsible for managing and developing a portfolio of new and expanding existing productive and profitable relationships with clients with emphasis on business and industrial companies ranging from complex credits to deposit only relationships through external business development calls and referrals. The RM is ultimately responsible for all aspects of the client experience ranging from credit needs to customer service and operations.

Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.

• Develop and manage a portfolio of private, business and/or industrial clients ranging from complex credits to deposit only relationships. Acts as lead negotiator with prospects & clients.
• Grow revenue by successfully prospecting for new business and retaining and expanding existing client relationships via interest income, fee income and/or cash management revenue.
• Identify and sell appropriate bank products and services to prospects and clients.
• Build strong relationships with referral sources, centers of influence, etc.
• Analyze the client's financial and operating strategies and recommend alternative or additional financial services to best meet the client's immediate and long-term personal and business needs.
• Gather financial information and analyze potential customers’ and customers’ creditworthiness and financing requirements.
• Structure credits jointly with Credit Officers and Department Managers.
• Operate a computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority.
• Achieve sales and service goals by utilizing effective sales practices to sell bank products, implementing effective customer service techniques, referring customers to appropriate business partners, and resolving customer issues as they arise.
• Respond to and anticipate clients’ financial needs, solving problems and following through with exceptional service that provides a differentiated customer experience that supports our value proposition.
• Proactively source, acquire and expand high value customer relationships by maximizing sale and service opportunities.
• Minimize problem credits and/or delinquencies by maintaining high credit standards, good documentation procedures and timely collection efforts.
• Meet with customers on a regular basis to enhance the trusted advisor relationship and ensure business needs are being met.
• Respond to incoming emails and telephone calls in a professional manner to ensure that the client requests are met in a timely fashion.
• Prepare and coordinate documents for client meetings and presentations.
• Refer opportunities to segment partners where appropriate.
• Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.
• Demonstrate knowledge of and adherence to EEO policy; show respect and sensitivity for cultural differences; educate others on the value of diversity; promote a working environment free of harassment of any type; build a diverse workforce and support affirmative action.
• Follow policies and procedures; complete tasks correctly and on time; support the company’s goals and values.
• Perform the position safely, without endangering the health or safety of themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations…