Consumer Banking Relationship Manager

Pay Range: $49,495 - $99,000.00 (Annually) - FUNCTION:
Reporting to the Branch Manager, the Relationship Manager’s primary responsibility is branch sales growth and customer development. The RM supports the Bank’s mission to be the preferred financial institution in Maine by taking responsibility for consumer and Maine Street business sales production. Sales functions include business development activities and building of bank advocacy networks. The RM actively develops and manages a book of clients who require more personal attention and have complex borrowing and financial needs.

The RM will work closely to coordinate with line of business partners to provide appropriate resources for clients and prospects. The RM is also responsible for providing platform coverage and assisting with operational risk management and coaching within the branch as necessary to support the branch. The RM supports the BSB mission to be the employer of choice by contributing to a great working environment.

Finally, the RM supports the BSB mission of investing strategically in Maine communities by supporting coordinated market outreach and business development efforts.

ACCOUNTABILITIES :
Customer

Experience:

Promotes a customer-centered culture and attitude among staff Builds relationships by providing the highest level of service, demonstrating You Matter More to each customer, getting to know customers on an individual basis Engages in conversations and demonstrates advanced consultative sales skills to understand customer needs and financial goals, offers solutions as appropriate or refers to other team members in accordance with Bank strategy Understands the Bank’s products and services and how they benefit customers, promoting as appropriate Embraces and utilizes the Bank’s sales and coaching process, completes action plans in an effort to meet goals Business Development:
Responsible for achievement of branch production goals including deposits, various loan categories, business line referrals and other business development goals Leads proactive branch efforts through outside calling with customers, prospects and advocates in an effort to establish new banking relationships for consumers and Maine Street businesses in the branch geography Works closely with business line partners including Commercial Banking, Wealth Management, Treasury and Payment Services, Business Banking, Payroll and Merchant services to provide appropriate levels of expertise and support Assumes key role in building and fostering external bank advocacy network by becoming involved in various civic/charitable organizations, BSB sponsored events, boards, etc Serves as a role model, coach and sales resource to all team members as well as line of business partners Sales and Servicing:
Serves as an external branch sales and service contact by opening larger and/or more complex consumer and Maine Street business deposit relationships Originates a significant volume of potentially complex consumer and Maine Street business loan requests in compliance with Bank policies and procedures Develops and actively pursues new lending and deposit sales growth opportunities Provides customers with information on products and services, rates, service charges and fees as well as other relevant information Maintains a high level of knowledge on all deposit products and services as well as all consumer and Maine Street business loan products Understands business partner relationships and refers to other team members in accordance with Bank strategy Demonstrates ability to handle routine and more complex service issues independently, refers customers to appropriate staff for advanced problem resolution Researches and resolves problems either through direct action or referral to and follow up with other Bank resources Answers written and telephone inquiries from customers concerning bank services Credit Underwriting:
Coordinates and oversees the loan preparation process, working with Loan Originations and Credit Departments to ensure timely approvals and declines. Obtains and analyzes all necessary financial and credit information Maintains ongoing client communication to inform customers of application decisions, negotiate rates and terms, ensures that funds are disbursed and loans are properly documented. Provides oversight of the loan documentation and delivery process including commitment letter preparation, negotiation, and acceptance;

appraisal, environmental and legal…