Senior Relationship Manager

The Senior Relationship Manager at Bank Iowa is responsible for development, maintenance, and growth of the region's loan portfolio consisting of a mixture of commercial, real estate, and agriculture loans. Develops new lending and deposit business and expands existing relationships. Has overall responsibility for the lending department, including the processing and servicing of loans. Develops, recommends, and implements loan objectives, policies, and procedures.

Monitors and oversees the credit quality of the loan portfolio. Exercises usual authority of a department head concerning staffing, performance appraisals, promotions, salary recommendations, and terminations. Provides guidance and advice to Relationship Managers. Ensures that applicable bank lending policies and practices, and state and federal regulations are followed. Approves and declines loan applications that exceed the loan limits of lenders.

May originate loans and maintain a portfolio. Participates in and promotes the region’s community activities.

• Manages an agriculture and commercial loan portfolio with total outstanding balance of $20 to $40 million and manages 20-40 client relationships requiring annual review.
• Recommends interest rate and fee structure for prospects and clients.
• Coordinates with internal and external legal counsel in the interpretation and implementation of new and existing federal and state regulations and statutes.
• Assists with annual budget estimates for the loan growth and rate forecasts.
• Oversees regulatory compliance with federal and state regulations for the lending department.
• Evaluates the loan portfolio and analyzes any developing trends.
• Develops the short and long term goals and objectives of the department.
• Approves and declines loan applications that exceed the loan limits of subordinate lenders.
• Reviews approved loans and delinquency reports to ensure that policies and practices are being followed.
• Analyzes unusually difficult and complex loans and determines the most effective method for maximizing financial recovery.
• Provides technical advice and assistance to lending personnel regarding expedient identification and evaluation of deteriorating loan situations in order to recognize charged-off loans early and manage credit to minimize losses.
• Prepares letters pertinent to maintaining collateral documentation, financial statements and other lending activities.
• Releases liens such as titles, deeds of trust and paid notes, etc.
• Reviews for trend changes in client portfolio before renewing credit.
• Interviews loan applicants, gathers and evaluates financial data to ensure credit worthiness.
• Negotiates credit terms and repayment schedules with applicants within Bank Iowa policies and guidelines.
• Monitors client financial condition and repayment process.
• Maintains knowledge of commercial banking products and services, as well as knowledge of the industries or market areas served.
• Calls on new potential clients, identifies banking needs, secures financial data for analysis and makes proposals for new business.
• Coordinates with operational and administrative areas to set up new accounts.
• Reviews existing account relationships for opportunities to meet additional needs with other products or services, makes proposals, as appropriate.
• Responsible for generating treasury management relationships, deposit relationships and fee income for the Bank.
• Participates in civic and community activities to generate visibility, contacts, and new business for the region.
• Has access to confidential information relating to clients and accounts, team member information including personal information, compensation, and performance, and information about the bank not readily available to the public. Protects the privacy and confidentiality of clients, other team members, and work.

• Oversees lending staff.
• Sets sales performance standards, gives clear direction, delegates and schedules work.
• Supports team members development by focusing on their innate talents and developing those into areas of strengths.
• Listens to and advocates for team members to ensure their engagement needs are met.
• Supports team member performance by establishing annual goals, setting clear expectations and providing continual coaching.
• Creates a culture of accountability that celebrates progress as often as outcomes.
• Builds relationships that create trust and allow two-way dialogue.

• Performs…