Position Description: The Relationship Manager will be responsible for effectively delivering the Tower Mission Statement. Our Mission Statement is to provide financial solutions to the greater community by creating partnerships with customers in order to make our communities better places to live, work, and raise a family. The Relationship Manager assists in the preparation and delivery of all necessary documents in relation to loan/deposit application and implementation process. This Relationship Manager will be responsible for aggressively soliciting and servicing prospective customers producing a variety of lending and deposit relationships as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals. The Relationship Manager ensures that all processes and documents comply with any and all applicable regulations and laws in relation to the FDIC, TDFI, and the Federal Reserve.
Hours required 40+
The main duties of the Relationship Manager are:
• Interviews applicants to determine loan requirements and gathers pertinent information for loan applications.
• Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant’s evaluation.
• Analyzes applicant’s financial status, credit, and asset evaluation to determine feasibility of granting loan, establishes credit limit through written and/or oral assessment.
• Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
• Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
• Prepares financing proposals consistent with approval for presentation to the applicant.
• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensures timely loan closing and funding activities.
• Maintains a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Participate in community and professional organizations and events.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
• Uses experience and sound judgment to plan and accomplish goals. Develops and maintains relationships in the financial community.
• Maintains knowledge of market conditions; identifies new product development opportunities based on changes and developments.
• Performs other related duties as assigned.