Regional Manager - Relationship Manager

Job Summary

The Regional Relationship Manager is responsible for the overall success of a group of Relationship Managers associated with branch banking offices. The Regional Relationship Manager directs and manages Relationship Managers, Portfolio Bankers, and subordinate in their efforts to maximize profitability while safeguarding asset quality and minimizing risks. The Regional Relationship Manager is responsible for the overall quality, size, and profitability of the portfolios generated by their subordinates’ loan portfolio and depository accounts. The Regional Relationship Manager is to exercise proper leadership skills to inspire all personnel to provide exemplary service to ensure customer satisfaction, and to model prudent judgment and discretion in exercising credit risk selection and due diligence.

Essential Duties

Business Development 

• Ensure top customers and prospects receive a level of service and relationship exceeding expectations. 
• Enhance existing customer relationships for their group and direct and develop new depository and commercial loan relationships
• Direct and make quality prospect calls each month in the local service area.        Obtain necessary information for preliminary underwriting purposes
• Direct and develop new business and referral sources.  Belong to trade associations and/or service organizations that promote the bank’s visibility in the communities it serves.        Document all marketing activities and call results within acceptable reports, including B.O.S.S.        

Credit Analysis  

• Direct and analyze financial statements and pertinent information for credit worthiness of potential borrowings
• Be involved as necessary with the spreading of financial statements on CASH Insight and evaluate historical and forecasted cash flows for proposed debt serviceability.  Evaluate collateral for appropriate debt coverage, advance rate, value, stability and ease of liquidity
• Make recommendations regarding specific products and services to be offered and credit approval or disapproval.  Ensure that credit approvals adhere to Bank policy.  Communicate credit decisions to loan applicants in a timely manner.  Facilitate the credit through the approval, documentation, and boarding processes. Obtain proper approval of products and services to be provided to prospective clients
• Ability to independently prepare Loan Worksheet & Authorizations as required per Bank policy for new credit extensions and renewals.  Loan Worksheets & Authorizations are to convey a thorough understanding of the credit worthiness of the applicant and the primary and secondary sources of loan repayment.  All significant credit issues are to be addressed.  Credit terms and conditions are to be structured in a manner that adheres to sound lending practices and minimizes the risk to the Bank while meeting each customer's credit requirements.        Adhere to Bank policy by renewing maturing lines of credit and extending expiring term loan in a timely fashion and as appropriate

Credit Negotiations  

• A necessary, persuasively negotiate credit, pricing, terms, collateral and conditions with each potential borrower to adhere to (at a minimum) Bank established minimum pricing guidelines.  Negotiate terms of credit agreements, including financial covenants and reporting requirements sufficiently to protect the Bank from excessive credit and pricing risk
• Lending Limits: Secured 250,000 - 1,000,000; Unsecured 100,000 - 1,000,000

Loan Documentation  

As necessary, coordinate the documentation of extensions of credit.   Ensure the preparation of loan and collateral documents is in accordance with Bank policy.  Maintain credit and documentation files in accordance with Bank policies.  Obtain sufficient information and property documentation to comply with BSA and all regulatory requirements.

Compliance Follow-Up 

Independently monitor the financial condition of loan portfolios under each subordinate manager as appropriate considering risk. Work with Credit Administration to follow for proper compliance with bank policies and procedures.  Be responsible for the quality of the portfolios supervised along with all audit findings and response. 

Staff Management

Establish a rapport with each supervised employee and take an active role in their annual reviews and any corrective action.  Use input from the Regional Managers – Branch Banking, Branch Managers, and Credit Administration in creating reviews for subordinate employees.