Relationship Manager

Job Summary

The Relationship Manager plans and implements financial institution sales and marketing programs targeted toward the business community and examine, evaluate, and authorize or recommend approval of customer applications for commercial loans.

Essential Job Functions

• Assists lending team in all facets of growing and managing the bank’s commercial real estate loans. 
• Develop new and additional deposits, cash management and bank services revenue. 
• Works with clients to resolve account or service-related problems
• Maintains ongoing visibility with client base
• Calls and visits target customers to promote and sell establishment products and services. 
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements, such as business checking, business credit card, and letters of credit. 
• Develops, revises, or eliminates products and services experiencing less than satisfactory performance. 
• Acquires and grows profitable account relationships with moderately complex business customers and commercial real estate investors/owners.
• Accurately analyzes borrowers’ financial status, credit and property evaluations, credit histories, corporate financial statements and other relevant financial information to determine feasibility of granting loans; prepare loan presentations with the assistance of loan processors to Loan Committee for approval.
• Reviews and updates credit and loan files and loan agreements to ensure that they are complete and accurate according to policy.
• Cohesively partners with GBC team members and business lines to deliver exemplary customer service of GBC’s full complement of products and offerings.
• Compiles and analyzes market research data to develop portfolio of products and services focused on needs of target market. 
• Generates new products and services to complement current portfolio. 
• Generates and screens leads following establishment policies and procedures to attain new business relationships and product sales. 
• Designs selling program to promote establishment consumer and business loan products. 
• Oversees all stages of loan development program to ensure compliance with establishment policies and procedures. 

Knowledge:

• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
• Knowledge of business and management principles.
• Knowledge of principles and processes for providing customer and personal services.