Relationship Manager Ii

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The About The Role section illustrates the responsibilities and expectations for a full‑time Commercial Loan Officer II at our St George branch.

In partnership with branch/department employees, the Relationship Manager II helps ensure the branch/department controls and the risks to the Bank are met. This includes meeting organizational, financial, operational, service, sales, and growth plans, following established Bank policies and procedures, managing a full range of services to internal and external customers, and overseeing loans to maintain asset quality and generate fee income.

• Originate new loan commitments annually in accordance with the Bank’s incentive compensation plan.
• Generate and manage a loan portfolio of $15–20 million or higher, maintaining asset quality and generating fee income.
• Manage construction, CRE, SBA, consumer, and C&I loans, ensuring compliance with terms, collecting on past‑due loans, monitoring covenants, grading loans accurately, and completing other monitoring reports in a timely manner.
• Take loan applications and analyze the risk of credit decisions.
• Call on new and existing customers to expand relationships, attracting loans, deposits, and other Bank products.
• Work with a team to prepare and present loans for approval.
• Process loan renewals and extension requests.
• Review all loan documents for completeness, accuracy, and compliance, and explain approved loan details to the customer.
• Produce increasing profitable loan volume, maintain low delinquency and charge‑off rates, and ensure operations align with Bank policies.
• Comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Stay current on all bank policies, procedures, products, and services through learning activities.
• Respond promptly to internal audits and other management reporting requests.
• Complete required bank training courses within assigned time frames, seeking clarification if needed.
• Adhere to Altabank Core Values.
• Inform management of area activities and significant problems.
• Participate in community service and Bank‑sponsored activities that support the mission and values of Altabank.
• Provide superior internal and external customer service with self‑governance, courtesy, and respect.
• Represent Altabank professionally, displaying a positive “can‑do” attitude, good attendance, punctuality, flexibility, teamwork, and adaptability.
• Maintain a tidy work area and customer privacy, and attend required meetings.
• Show regular and predictable attendance for in‑person customer contact.
• Accept that duties may change.

• Two to five years of similar or related experience.
• A college degree or equivalent combination of education and experience.

• Experience analyzing business financial statements and data for risk assessment.
• Understanding of business entity structures.
• Knowledge of bank products, lending law, and compliance requirements.
• Proficiency with CRM tools and computer applications.
• Strong verbal and written communication skills.
• Strong managerial skills.
• Calm, professional interaction with diverse individuals at all levels.
• Reliable and timely attendance.
• Adaptability to shifting priorities through time management, analytical, and problem‑solving skills.
• Ability to handle limited standardization and interpret instructions.
• Basic mathematical skills: compute discount, interest, profit, loss, commission markup, selling price, ratios, proportions, and percentages, and perform simple algebra.
• Advanced language proficiency: reading complex texts, writing complex sentences, and using proper punctuation.

• Frequent local travel: 2–3 days a week.
• No hazardous or significantly unpleasant conditions.
• Sitting most of the time; occasional exertion up to 10 lb.

M-F 8‑5.

Employee is required to sit, use hands in repetitive motions, and talk or hear. Occasionally stand, walk, lift, or reach. Operate routine office equipment and perform computer work…