Relationship Manager

Responsibilities

• Provide lending functions in compliance with financial institution policies and procedures
• Develop customer relationships to include all deposit products and credit services
• Support all company lines of business with referrals and sales opportunities
• Be familiar with bank products and services and look for opportunities to 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 credited 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 regulations applicable to lending
• 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
• Other duties as assigned

• Bachelor’s degree in business, finance, or related area preferred
• 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
• Conditions of Employment:
  Must be able to pass a background & credit check.

Demonstrates expertise in consumer lending practices, customer relationship management, and compliance with financial institution policies. Proficient in developing customer relationships and providing high-quality service while adhering to regulatory requirements.