Senior Relationship Manager

Senior Relationship Manager

With direction and supervision from department head, provides direct support to develop and analyze all relevant depository and credit information pertaining to a wide range of bank business customers or prospects. Prepares or assists in the preparation of credit authorizations, in accordance with the Bank’s policies and procedures, for presentation to their supervisor and prior to submission to senior credit personnel and/or credit committees.

Prepares detailed collateral analysis and coordinates appraisal and third‑party analysis as necessary. Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares support to supervisor in the sourcing and opening of new depository accounts, including but not limited to, the collection of all legal and compliance‑related materials that are required in the process of opening a new account.

This position will become skilled at understanding and being able to spread financial statements and tax returns for business and personal entities, will understand commercial property cash flows, will be trained in analyzing appraisal and environmental reports, prepare loan requests, review leases and rent rolls, and understand ground leases. This position will work directly under designated senior level Relationship Managers or senior level Portfolio Managers.

A high level of independence and problem‑solving capabilities is required. Although this employee will act under the general direction of their supervisor, they will individually manage their own day‑to‑day activities in their support to manage, monitor, and grow the portfolio of relationships under their supervisor’s responsibility.

This position, with direction and supervision from the department head, may be assigned a loan and deposit portfolio to manage at the discretion of their supervisor, and will be responsible to open and maintain a variety of relationships by selling other products/services to customers through development of relationship plans, lines, deposits or complex cash management and detail‑oriented operational plans.

• Grows and maintains a list of qualified centers of influence which complement the industries or niches in which they serve.
• Identifies and attends marketing events that complement or serve the industry or product niches of their portfolio.
• Sources/develops new business relationships consisting of both loan and deposit products.
• Interfaces with borrowers and borrowers’ advisors as necessary.
• Maintains a general knowledge of cash management and deposit products offered by the Bank.
• Works as a member of a team comprised of Sunwest Bank product experts to ensure continuity of high‑quality service, product delivery and responsiveness to client needs.
• Creates and maintains effective relationships with members of the team.
• Maintains a high degree of creativity and independence.
• Interacts with branch staff, bank operations and cash management to support business services and products.
• Delivers excellent customer service both inside and outside the Bank.
• Requests and prepares financial information needed by the supervisor to identify potential operations and lending risks and ensure proper documentation on accounts.
• Underwrites directly or manages the underwriting process of all loans under supervisor’s responsibility.
• Reviews requests for the establishment or renewal of loans.
• Compiles all necessary documentation to prepare and draw loan documents.
• Ensures credit files for all loans under supervisor’s responsibility are complete and prepared in form and substances satisfactory for Credit Administration and regulatory review.
• Effectively manages the loan process to ensure requests are being reviewed efficiently, that customers receive timely answers and that all approved transactions are completed quickly and accurately.
• Accountable to understand and ensure regulatory and policy compliance with state and federal requirements including (but not limited to) the following:
  Bank Secrecy Act, Anti‑Money Laundering Act, Community Reinvestment Act, OFAC Regulations and Fair Lending, and all…