Community Relationship Manager I/II

This position is responsible for identifying customer needs and matching them with the appropriate bank products and services to enhance customer satisfaction, loyalty, and financial well-being. The role develops proactive sales, service efforts, and portfolio management skills to grow a portfolio of business and consumer clients while mitigating credit risk.

Responsibilities

• Recommend credit approval on larger credits to Credit Administration consistently.
• Maintain professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities.
• Recommend promotional sponsorships to senior management.
• Maximize department profitability through maintenance of a high-quality loan portfolio.
• Exercise credit authority on large and complex accounts and provide guidance to less experienced relationship managers.
• Attract new business relationships and expand existing ones through a call program.
• Participate in community, professional, and trade organizations.
• Advise and counsel customers directly to understand their financial needs and recommend appropriate products and services.
• Originate and submit credit requests promptly with organized loan packages that include necessary documentation and identify key credit issues.
• Provide a high level of customer service to build relationships, expand business, and create cross-selling opportunities.
• Practice business development through calls to customers and prospective customers to gain experience in outside loan production, negotiations, and growth goal achievement.
• Mitigate credit weaknesses, past dues, and exceptions through proper loan portfolio management, including risk analysis, early renewal processing, loan document preparation, collateral analysis, and past due collection management.
• Work with Audit, Loan Review, and the Office of the Comptroller of Currency as needed.
• Assess and prioritize multiple responsibilities effectively.
• Perform all work within the bank’s guidelines, policies, procedures, and performance standards.
• Perform additional duties as assigned.

Qualifications

Community Relationship Manager I

• Four-year college degree in business, finance, accounting, or a related field.
• Five years of experience in sales, banking, business development, or customer relationship management in banking or a similar field preferred.
• Experience managing a business loan portfolio with varied terms and collateral, including real estate.
• Excellent oral and written communication skills.
• Demonstrated effectiveness in sales and business development.
• Ability to develop professional working relationships with customers and internal partners.
• Good interpersonal skills and relationship-building ability.
• Demonstrated negotiation and decision-making skills to serve the best interest of the bank and borrower.
• Familiarity with products and services offered by financial services institutions.
• Understanding of business lending, credit analysis, credit approval processes, bank policies, and external regulations.
• Results-oriented, flexible, and able to prioritize simultaneous work assignments.
• General knowledge of the financial services industry, business lending, and credit underwriting.
• Advanced knowledge of Microsoft Word and Excel applications.

Community Relationship Manager II

• Four-year college degree in business, finance, accounting, or a related field.
• Minimum of eight years of experience in sales, banking, business development, or customer relationship management in banking or a similar field preferred.
• Advanced oral and written communication skills.
• Proven track record in sales and business development.
• Excellent ability to develop strong professional working relationships with customers and internal partners.
• Excellent negotiation and decision-making skills to serve the best interest of the bank and borrower.
• Proven ability to focus on results, be flexible, and prioritize simultaneous work assignments.
• In-depth knowledge of products and services offered by financial services institutions.
• Consistently demonstrated understanding of lending, credit analysis, credit approval processes, bank policies, and external regulations.
• Experience managing a business loan portfolio with varied terms and collateral, including real estate.
• Advanced knowledge of Microsoft Word and Excel applications.

Physical Requirements / Working Conditions

• Must be able to sit or stand for long periods while using a computer keyboard and/or mouse and viewing computer screens.
• Must be able to lift at least 20 pounds to process boxed or bagged coins.