Relationship Manager - San Luis Obispo

JOB SUMMARY

The Relationship Manager is responsible for all aspects of a customer relationship with the Bank. The RM is responsible for managing existing Bank relationships and identifying/converting prospects into Bank customers. The RM will have a well-rounded general banking experience.

RESPONSIBILITIES

• Evaluate financial information and creditworthiness based on a sound analysis of the credit structure, cash flow, and collateral.
• Meet with clients and prospects to identify banking opportunities and develop a complete banking relationship.
• Compile loan package and negotiate loan structure with the applicant, including fees, repayment options, loan covenants, reporting requirements, and other credit terms.
• Identify credit deficiencies and devise credit structures to mitigate them.
• Affirm timely loan closing and funding activities.
• Overall manage a customer’s account – RM is the contact point between the customer and the Bank.
• Meet with the customer throughout the year, handle issues, and identify cross-sell opportunities with a key focus on new deposit opportunities.
• Aid in developing customer relationships and helping identify new business opportunities in the existing loan portfolio.
• Interface with all business partners on a professional level throughout the bank.
• Perform other duties as assigned by their manager.

QUALIFICATIONS

• Ability to establish and maintain effective working relationships with employees, supervisors, executives, and other departments.
• Ability to complete multiple, diverse tasks of differing priorities without close supervision.
• Ability to perform tasks and achieve results with a high degree of accuracy and precision.
• Excellent written and verbal communication skills, with a specific ability to translate complex financial information into an organized and presentable manner.
• Excellent administrative and organizational skills.
• Proficiency in the use and application of Microsoft Office (Excel, Word, and PowerPoint).
• Ability to work with specific data management software as required.
• Ability to read, analyze, and interpret financial reports and accounting and regulatory documents.
• Ability to respond to common inquiries from regulatory, accounting, and outside loan review agencies.
• Ability to effectively present information to top management both verbally and in writing.
• Ability to work with mathematical concepts such as probability and statistical inference.
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical form and deal with several abstract and concrete variables.

EDUCATION/EXPERIENCE

• A Bachelor's degree (BA or BS) from an accredited four-year university with at least two college-level accounting courses is preferred.
• A minimum of five years of related experience in underwriting business and real estate transactions.
• Must display a strong understanding of accounting principles and underwriting practices and be able to work independently and with a team.

PHYSICAL DEMANDS

• Sit.
• Talk or hear.
• Stand, walk, and reach with hands and arms.
• Lift and/or move up to ten pounds.
• Close vision and the ability to adjust focus.

WORK ENVIRONMENT

• The noise level in the work environment is usually very quiet.