Relationship Manager - Watkinsville

Overview:

The Relationship Manager proposes, initiates, and oversees all loan and deposit programs provided by the company; assures that lending and deposit activities of the company meet the needs of the customers. The Relationship Manager is primarily focused on building Commercial Lending relationships in the assigned market by active networking, establishing relationships with new business prospects, and growing existing customer relationships. Ensures compliance with all organizational policy and regulatory requirements and administers them to minimize risk to the organization. Assigns projects and commercial loan packages to the Lending Assistant and Portfolio Manager. Recommends other services such as treasury products, merchant services, and consumer banking products based as applicable to the customers needs.

Foundational Responsibilities:

The following duties are considered foundational responsibilities for which base compensation is paid:

• Loan renewals
• Loan modifications
• Administrative extensions (tasks to be shared with Portfolio Managers)
• Community Involvement (ie. serve on the board of a local non-profit, seat on the Chamber of Commerce, etc.)
• Relationship management
• Answering customer questions regarding deposits, loans, digital banking
• Completion of credit memos, deal structuring, pricing, movement/process on loans to get them through to completion
• Covenants
• Review and assembly of data for an annual review of the relationship 

Functional Responsibilities

Responsibilities:

Loan and Deposit Production:

• Ongoing engagement with loan and deposit sales team to produce new relationships.
• Continuous interface with senior management on spreads and margin necessities
• Prepare and present loans for consideration/approval at Loan Committee meetings
• Secure proper authorization on variances

Loan structure/pricing activities, Including:

• Proactive, offensive knowledge of what the competition Is offering
• Continuous monitoring and forecasting of fee goals and budgets
• Respond to customer requests/opportunities timely and with appropriate product offerings and solutions
• Demonstrate initiative and follow through on goals and objectives

Credit quality and underwriting:

• Perform annual credit reviews
• Participate in internal and external product and Industry training
• Aggressively maintain targeted past-due percentages with calls, letters, and appropriate follow up
• Continuously monitor & implement current loan guidelines and thresholds

Aggressive new business development activities:

• Network with other professionals
• Schedule cold calls with customers and prospects
• Maintain community involvement with support and engagement
• Cross sell core deposit products on an ongoing basis
• Work prospect lists
• Attend sales meetings
• Coach others and/or participate in joint customer calls

Key Results Areas: