Relationship Manager

Company Description Bank Okolona, headquartered at 227 W Main Street in Okolona, Mississippi, is a community-focused banking institution serving local individuals, families, and businesses. The bank offers a range of financial services designed to support everyday banking needs and long-term financial goals. Team members at Bank Okolona work closely with customers to build lasting relationships and provide personalized service. The organization values trust, integrity, and reliability in its interactions with the community and strives to create a supportive work environment for its staff.

The Relationship Manager is a full-time, on-site role based in Tupelo, MS. This position is responsible for building and maintaining strong customer relationships, serving as the primary point of contact for clients, and providing tailored banking solutions. The Relationship Manager will originate, structure, and manage a portfolio of [consumer / commercial / and small business] loans out of our Tupelo LPO.

This is a relationship-driven position: you'll be the primary point of contact for your clients, bringing in new loan and deposit business and deepening existing relationships. The Relationship Manager will also monitor client portfolios, resolve issues promptly, collaborate with internal teams to ensure smooth service delivery, and actively participate in community and business development activities to grow the customer base.

• Develop new loan and deposit relationships through referrals, community involvement, calling efforts, and professional networks
• Originate and structure [commercial real estate, C&I, equipment, agricultural / consumer, residential real estate, and installment] loans that meet bank policy and client needs
• Analyze financial statements, tax returns, cash flow, and collateral to assess credit risk; prepare clear credit presentations for loan committee
• Manage an assigned portfolio, including renewals, annual reviews, monitoring, and past-due follow-up
• Cross-sell deposit and other bank services to build full relationships
• Ensure loans comply with bank policy and applicable regulations (Reg B, Reg Z, RESPA, Flood, BSA/AML, etc.)
• Work closely with credit, loan operations, and branch staff to deliver a smooth closing experience
• Represent Bank Okolona in the Tupelo community through civic, business, and nonprofit involvement

• 5+ years of lending or credit experience in a bank or financial institution. Preferred:
  Experience in retail or commercial banking, financial services, or customer-facing roles in related industries.
• Demonstrated customer service and client relationship skills, with the ability to build trust and maintain long-term partnerships.
• Proficiency with Microsoft Office; experience with FIS Horizon or similar core a plus
• Demonstrated ability to generate new business and grow a loan portfolio
• Solid understanding of credit analysis, loan structuring, and collateral evaluation
• Working knowledge of consumer and/or commercial lending regulations
• Strong communication and relationship-building skills; comfortable in front of business owners and committees
• Self-motivated and able to work independently in an LPO setting
• Bachelor's degree in finance, accounting, business, or related field preferred (equivalent experience considered)
• Existing relationships in the Tupelo/Lee County market strongly preferred
• NMLS registration or ability to register (required if originating consumer mortgage loans)

• Competitive salary and compensation
• Local decision-making and direct access to senior leadership
• The chance to help shape our growth in one of North Mississippi's strongest markets