Relationship Manager

Relationship Manager page is loaded## Relationship Manager locations:
Pensacola time type:
Full time posted on:
Posted 2 Days Agojob requisition :
JR100049

At Smart Bank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.
** Relationship Manager
** Smart Bank Associates enjoy an AMAZING benefits package:
* Comprehensive benefits- medical, dental, vision, life, and disability insurance
* Matching 401(k)
* Generous paid time off (PTO)
* Smart Flex Days
* Up to 11 Paid Company Holidays
* Incentive Program
* Mental Health Benefits Including 8 free sessions with a coach or certified professional
* Tuition Reimbursement
* Community Involvement Opportunities
* Company apparel provided at no cost
** Our Relationship Managers will be held accountable for:
*** Upholding Smart Bank Core Values and Core Purpose.
* Developing new customer prospects and business for the financial institution.
* Completing each loan application and all pre-processing functions in a timely manner. Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.
* Screening loan request based on financial institution policies and on types of loans offered by the institution. Orders appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.
* Responsible to monitor overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and Smart Bank.
* Evaluating potential customer loan requests and makes loan recommendations to management. Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
* Communicating complex approvals or denials to the borrower. Promotes and participates in the financial institution’s special credit programs and other CRA programs.
** Ideal candidates for the role will include:
*** High School Diploma required.
* Bachelor’s degree business, finance or management preferred.
* Minimum of 5 years experience in banking or sales lending field.
* RMA – Credit Risk Certification preferred
* Graduate School of Banking preferred
* TBA Lending Schools – Commercial Lending preferred

With a strong foundation and a growing footprint,
** Smart Bank
* * delivers high‐touch banking solutions to commercial businesses and consumers across the Southeast. Headquartered in Knoxville, Tennessee, Smart Bank operates as a subsidiary of
** Smart Financial, Inc. (NYSE: SMBK)**, a financial holding company with assets exceeding $5 billion.

At the heart of Smart Bank’s success is a commitment to creating ‘WOW’ experiences—for both clients and team members. This people‐first culture has earned national recognition, including placement on FORTUNE’s 2025 Top 100 Best Workplaces list and Great Place To Work(R) certification, reinforcing Smart Bank as an employer of choice in the markets we serve. Drawing on decades of collective banking experience, Smart Bank’s leadership has embedded “Smart” business practices throughout the organization, including rigorous credit underwriting, holistic relationship management, and a focus on attracting and retaining top-tier talent.

Guided by these principles, Smart Bank has grown into a respected, high‐performing financial institution trusted by the communities it serves.
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