Business Banking Group Relationship Manager 2

About the Role

The BBG Relationship Manager 2 has additional lending approval authority and is responsible for achieving an advanced level of loan and deposit production, credit analysis, proper loan structuring and documentation, loan servicing, client interviewing, and perceptive character judgment. This role acts as the principal account relationship manager for new and existing clients, developing and generating new client leads through referrals, phone calls, and business development activities.

Responsibilities

• Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling, and business development activities (e.g., cold calling, referrals, foot canvassing, mail campaigns, trade shows, galas, and awards shows).
• Provide a weekly report of pipeline and marketing activities to the Business Banking Group Manager.
• Establish and maintain excellent rapport with key customers, including those with complex financing and depository requirements, by making monthly retention calls.
• Provide detailed explanations of loan types and credit options by analyzing applicants’ financial information, creditworthiness, and property to determine loan feasibility.
• Recommend loan approval or decline to the Business Banking Group Manager and/or Credit Administration.
• Prepare thorough credit memos with accurate financial analysis and credit strengths and weaknesses.
• Ensure compliance with Bank policy and regulatory requirements by reviewing and updating credit loan files and agreements with current financial information.
• Review existing client portfolios, evaluate financial conditions, and make recommendations as needed.
• Actively manage a credit portfolio to ensure compliance with Bank, regulatory, and credit requirements.
• Prepare timely credit renewals and risk rating upgrades/downgrades.
• Monitor loan repayment activities and account overdrafts, taking necessary action to collect past-due accounts per Bank policy.
• Assist customers and follow up on outstanding items.
• Collaborate with the Business Banking Group Manager on employee development, management activities, and operational functions.
• Attend team and Bank meetings in person.
• Understand basic treasury management services and introduce Bank partners in treasury, online banking, ACH, wire, positive pay, card, and merchant services to maximize fee income.
• Act as the control point for the office to ensure compliance with CIP, BSA, OFAC requirements, procedures, and time frames.

Requirements

• High School Diploma or equivalent (required).
• Bachelor’s degree in Business, Accounting, Finance, or related discipline (preferred but not required).
• A minimum of 10–15 years of experience in field or related area with a strong emphasis on customer service, sales, and credit portfolio management.
• Ability to travel to various Bank locations and customer/prospect locations daily.
• Some Saturday hours and after-hours events are required.
• Must meet the Bank’s internal control requirement for sensitive positions, including a minimum of two consecutive weeks of absence annually.

Skills

• Strong business development skills, including networking, generating referrals, cold/warm calling, and attending trade shows and business events.
• Time management and supervisory/management skills.
• Clear understanding of the English language (spoken and written).
• Strong writing skills, including the ability to write lengthy, complex credit memos.
• Basic mathematics skills.
• Telephone and customer service skills.
• Critical thinking, judgment, and problem-solving skills.
• Active listening and learning abilities.
• Ability to use oral communication techniques to sell products/services and resolve customer complaints.
• Ability to respectfully communicate with supervisors and coworkers.
• Ability and desire to foster and interact in a fast-paced team environment.

Knowledge

• Regulation CC, DD, E (EFT), Bank Secrecy Act, FDIC Insurance, Privacy Laws, Regulation BB (CRA), Regulation B (ECOA), Regulation X (RESPA), Regulation Z (Truth in Lending), Fair Credit Reporting Act, UCC.
• Deposit products, investment products, loan products, loan documentation, account services, trust services, and bank operations.
• State and Federal Banking regulatory requirements, including BSA, Anti-Money Laundering, OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements.

Equipment Operated

• Telephones/Cell Phones
• Desk and/or Laptop Computers
• Standard Office Equipment (copiers, fax machines)

Physical Requirements & Work Environment

• Requires standing and/or sitting for prolonged periods.
• Requires lifting up to 10 lbs.
• Office setting with controlled temperature.
• Up to 50% traveling.

Officer Title Eligibility

For qualified positions, the Bank may designate an Officer Title to an employee who meets defined competencies. This position qualifies for the officer titles: Vice President, First Vice President, or Senior Vice President.