This role has the opportunity to work hybrid. During the interview process, our Talent Acquisition Team will share additional details with you. The Relationship Manager is responsible for developing and managing commercial banking relationships to maximize profitability to the bank with acceptable risk; through relationship management, credit management, and business development. Responsibilities: Relationship Management Manages the largest and most complex relationships that require in depth analysis Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions Ensures integrity and timeliness of customer information, documentation, and data Ensures each relationship is profitable and represents appropriate risk Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues Mentors junior staff and helps to manage workflow within the team Credit Management For new loan requests, assess borrower credit-worthiness in accordance with credit policy Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned Ensure that loans are documented in accordance with credit approvals Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activity Business Development Maintain expert knowledge of commercial banking products & services Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management Provide existing and prospective customers with appropriate financial services and advice Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations. Maintain a pipeline of business leaders and prospects Qualifications: Education Requirements Bachelor’s degree Minimum Experience Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager Minimum 4 years of experience as a relationship manager Expert understanding of treasury management services and other banking products Knowledge/ Skills/ Abilities Expert accounting & finance knowledge Exceptional technical skills Expert knowledge of laws and regulations, and compliance related to commercial lending Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills Ability to work in a team environment and demonstrate flexibility as business dictates Ability & willingness to investigate, resolve, and recommend process improvement opportunities Ability to effectively plan, manage, and delegate to others Job Details: Regular To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes. Independent Financial is host to a diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team. Let’s discover new opportunities, together. Become part of a team that provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professionals and individuals. ______________________________________________________ All full-time and part-time roles that are regularly scheduled for 30 or more hours per week are benefits eligible. We are pleased to provide industry-leading benefits, resources and support to our employees. ______________________________________________________ To be considered for this position, you must at least meet the basic qualifications. No phone calls or direct e-mails please. Pre-employment background screening will be conducted. Independent Financial is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of age, ancestry, color, gender (including pregnancy, childbirth, or related medical conditions), gender identity or expression, genetic information, marital status, medical condition, mental or physical disability, national origin, protected family care or medical leave status, race, religion (including beliefs and practices or the absence thereof), sexual orientation, military or veteran status, or any other characteristic protected by federal, state, or local laws. The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 469-301-2630. Independent Financial is a trademark of Independent Bank To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.