Relationship Manager

• Develop new customer relationships and strengthen existing ones using United’s need-based sales approach
• Interview consumer loan applicants and request specified information for loan applications
• Accept loan applications and notify applicants of loan decisions
• Order credit reports and recommend loan terms
• Review, analyze, and process consumer lending requests in compliance with policies
• Work past dues, loan exceptions, and criticized asset reports
• Develop and maintain interest rate structure consistent with bank policies
• Use independent judgment and discretion based on assigned lending authority
• Stay abreast of current and developing lending regulations
• Provide efficient, accurate, and high-quality service while maintaining good customer relations
• Support others through mentoring and attending sales and developmental meetings
• Attend and serve in community functions, boards, and committees as necessary
• Support all company lines of business with referrals and sales opportunities
• Perform other duties as assigned

• High School diploma or equivalent
• Experience in a financial institution preferred
• Basic understanding of financial institution products and services
• Knowledge of consumer credit structuring, lending practices, and customer relationship management
• Strong interpersonal, analytical, and communication skills
• Proven leadership ability and sharp business development focus
• Proficient in Microsoft Office programs
• Must complete all required compliance training, including Bank Secrecy Act/anti-money laundering training
• NMLS initial registration and annual renewal required, including fingerprinting and background checks
• Must be able to pass a background and credit check
• Schedule flexibility for evenings and weekends
• Up to 10% travel required

Demonstrates expertise in consumer lending practices, customer relationship management, and compliance with financial regulations. Proven ability to develop customer relationships and provide high-quality service while supporting business development initiatives.

• Consumer Lending Practices
• Customer Relationship Management
• NMLS Registration
• Compliance Training
• Business Development

• Loan Application Processing
• Credit Report Analysis
• Interest Rate Structuring
• Financial Institution Products Knowledge
• Consumer Credit Structuring

• Interpersonal Skills
• Analytical Skills
• Communication Skills
• Leadership Ability
• Mentoring

• NMLS Initial Registration
• Bank Secrecy Act Training
• Anti-Money Laundering Training

• Financial Institution
• Lending Regulations
• Customer Service
• Sales Approach
• Community Engagement

• Microsoft Office