Relationship Manager

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

The Relationship Manager is a relationship-driven banker responsible for developing, growing, and managing a profitable portfolio of commercial and consumer loan and deposit relationships. This role serves as a trusted financial partner to customers, actively develops new business, delivers responsive and knowledgeable service, and represents River Bank & Trust as a visible leader in the community. The Relationship Manager balances growth with sound credit judgment, portfolio quality, regulatory compliance, and the Bank’s commitment to hospitality.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Essential functions include, but are not limited to:

• Develop new loan and deposit relationships through proactive calling, networking, referrals, centers of influence, and meaningful community involvement.
• Deepen existing relationships by understanding each customer’s business, financial goals, and banking needs and by connecting customers with appropriate Bank products, services, and other lines of business.
• Maintain and actively manage a loan and deposit pipeline; track business development, opportunities, expected closings, and relationship growth.
• Interview prospective and existing borrowers; collect and analyze financial information; assess creditworthiness, repayment capacity, collateral, and overall relationship risk.
• Structure and recommend credit solutions consistent with customer needs, sound banking practices, Bank policy, and applicable laws and regulations.
• Approve loans within assigned lending authority and prepare clear, complete loan presentations for the appropriate approval authority when requests exceed individual authority.
• Partner effectively with credit, loan operations, treasury management, retail, mortgage, wealth/investment, and other internal teams to provide a seamless customer experience.
• Maintain complete, accurate, and timely credit files, loan documentation, financial information, and other required records.
• Monitor assigned portfolio for credit quality, past dues, exceptions, maturities, and emerging risks; take timely action when concerns arise.
• Work proactively with delinquent or stressed borrowers, in partnership with management and credit personnel, to develop appropriate collection or resolution strategies.
• Maintain current knowledge of Bank products, credit policy, pricing, regulatory requirements, market conditions, and competitive trends.
• Protect customer information and maintain confidentiality in accordance with privacy requirements, Bank policy, and professional standards.
• Respond promptly and professionally to customer questions or concerns and take ownership of appropriate resolution.
• Represent River Bank & Trust professionally in civic, charitable, business, and community activities that strengthen the Bank’s relationships and market presence.
• Perform other duties and responsibilities as assigned and support the Bank’s strategic goals, culture, and service standards.
• Demonstrate ownership of portfolio growth, profitability, credit quality, customer retention, and overall relationship value.
• Consistently identify opportunities to expand deposits, treasury management services, and other fee-generating or relationship-enhancing services.
• Build strong internal partnerships and actively participate in the Bank’s referral culture.
• Maintain disciplined follow-up with prospects and customers and keep pipeline and relationship-management information current.
• Exercise sound judgment and escal…

Deliver a high level of…