Relationship Manager

About the role

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

The Relationship Manager is a relationship-driven banker responsible for developing, growing, and managing a profitable portfolio of commercial and consumer loan and deposit relationships. This role serves as a trusted financial partner to customers, actively develops new business, delivers responsive and knowledgeable service, and represents River Bank & Trust as a visible leader in the community. The Relationship Manager balances growth with sound credit judgment, portfolio quality, regulatory compliance, and the Bank’s commitment to hospitality.

Responsibilities

• Develop new loan and deposit relationships through proactive calling, networking, referrals, centers of influence, and meaningful community involvement.
• Deepen existing relationships by understanding each customer’s business, financial goals, and banking needs and by connecting customers with appropriate Bank products, services, and other lines of business.
• Maintain and actively manage a loan and deposit pipeline; track business development, opportunities, expected closings, and relationship growth.
• Interview prospective and existing borrowers; collect and analyze financial information; assess creditworthiness, repayment capacity, collateral, and overall relationship risk.
• Structure and recommend credit solutions consistent with customer needs, sound banking practices, Bank policy, and applicable laws and regulations.
• Approve loans within assigned lending authority and prepare clear, complete loan presentations for the appropriate approval authority when requests exceed individual authority.
• Partner effectively with credit, loan operations, treasury management, retail, mortgage, wealth/investment, and other internal teams to provide a seamless customer experience.
• Maintain complete, accurate, and timely credit files, loan documentation, financial information, and other required records.
• Monitor assigned portfolio for credit quality, past dues, exceptions, maturities, and emerging risks; take timely action when concerns arise.
• Work proactively with delinquent or stressed borrowers, in partnership with management and credit personnel, to develop appropriate collection or resolution strategies.
• Maintain current knowledge of Bank products, credit policy, pricing, regulatory requirements, market conditions, and competitive trends.
• Protect customer information and maintain confidentiality in accordance with privacy requirements, Bank policy, and professional standards.
• Respond promptly and professionally to customer questions or concerns and take ownership of appropriate resolution.
• Represent River Bank & Trust professionally in civic, charitable, business, and community activities that strengthen the Bank’s relationships and market presence.
• Perform other duties and responsibilities as assigned and support the Bank’s strategic goals, culture, and service standards.
• Demonstrate ownership of portfolio growth, profitability, credit quality, customer retention, and overall relationship value.
• Consistently identify opportunities to expand deposits, treasury management services, and other fee-generating or relationship-enhancing services.
• Build strong internal partnerships and actively participate in the Bank’s referral culture.
• Maintain disciplined follow-up with prospects and customers and keep pipeline and relationship-management information current.
• Exercise sound judgment and escalate credit, compliance, operational, or customer concerns promptly when appropriate.
• Deliver a high level of hospitality and responsiveness while maintaining appropriate risk and control standards.

Requirements

• High school diploma or equivalent required; bachelor’s degree in business, finance, accounting, or a related field preferred, or an equivalent combination of education and relevant banking experience.
• Minimum of two years of lending, business development, relationship management, or comparable banking experience; commercial lending experience preferred for roles managing a significant commercial portfolio.
• Working knowledge of lending principles, credit analysis, loan documentation, banking products, and applicable federal and state banking regulations.
• Demonstrated ability to develop business, build lasting customer relationships, and communicate effectively with customers, colleagues, and community partners.

Skills

• Strong financial acumen with the ability to analyze financial statements, tax returns, cash flow, and other borrower information.
• Business development and consultative sales skills, including prospecting, networking, needs discovery, and relationship expansion.
• Sound credit judgment, analytical thinking, problem-solving ability, and attention to detail.
• Excellent interpersonal, written, and verbal communication skills, including the ability to present credit requests clearly and