BankSouth
Relationship Manager - Watkinsville
BankSouth
Overview The Relationship Manager proposes, initiates, and oversees all loan and deposit programs, ensuring lending and deposit activities meet customer needs. Focus on building Commercial Lending relationships in the assigned market through active networking, establishing relationships with new business prospects, and growing existing customer relationships. Ensures compliance with all organizational policy and regulatory requirements.
Foundational Responsibilities
Loan renewals
Loan modifications
Administrative extensions
Community involvement
Relationship management
Customer deposit/loan questions
Credit memo completion, deal structuring, pricing, loan movement/process
Covenants
Review and assembly of data for annual relationship review
Functional 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
Proactive knowledge of competitive offerings.
Continuous monitoring and forecasting of fee goals and budgets.
Respond to customer requests/opportunities timely 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
Meet or exceed all company and personal production volumes and goals for loans, deposits, and fees.
Meet or exceed all pricing and fee income goals.
Meet or exceed all credit quality and other underwriting criteria.
Maintain an open, active, and aggressive new loan and deposit referral pipeline.
Experience & Education Bachelor’s degree in Business Administration, Finance, Accounting, or related discipline is required. Five to ten years of similar or related experience, including time spent in preparatory positions.
Required Knowledge, Skills, Abilities The ideal candidate will have the ability to motivate or influence senior level personnel. Proficiency in developing and delivering material presentations on complex topics. Extensive experience interpreting lending policies and procedures, including state and federal regulations and underwriting guidelines. Advanced experience in financial statement and tax return analysis.
Other Requirements REQUIRES CURRENT NMLS REGISTRATION. Satisfactorily complete all required compliance training and compliance with all laws and regulations that apply based on the scope of this position.
Physical Requirements Primarily sedentary work with limited physical exertion and occasional lifting up to 25 lbs. Must be capable of climbing/descending stairs in an emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6‑8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.
Equal Opportunity Statement BankSouth is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity, disability, or veteran status.
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Overview The Relationship Manager proposes, initiates, and oversees all loan and deposit programs, ensuring lending and deposit activities meet customer needs. Focus on building Commercial Lending relationships in the assigned market through active networking, establishing relationships with new business prospects, and growing existing customer relationships. Ensures compliance with all organizational policy and regulatory requirements.
Foundational Responsibilities
Loan renewals
Loan modifications
Administrative extensions
Community involvement
Relationship management
Customer deposit/loan questions
Credit memo completion, deal structuring, pricing, loan movement/process
Covenants
Review and assembly of data for annual relationship review
Functional 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
Proactive knowledge of competitive offerings.
Continuous monitoring and forecasting of fee goals and budgets.
Respond to customer requests/opportunities timely 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
Meet or exceed all company and personal production volumes and goals for loans, deposits, and fees.
Meet or exceed all pricing and fee income goals.
Meet or exceed all credit quality and other underwriting criteria.
Maintain an open, active, and aggressive new loan and deposit referral pipeline.
Experience & Education Bachelor’s degree in Business Administration, Finance, Accounting, or related discipline is required. Five to ten years of similar or related experience, including time spent in preparatory positions.
Required Knowledge, Skills, Abilities The ideal candidate will have the ability to motivate or influence senior level personnel. Proficiency in developing and delivering material presentations on complex topics. Extensive experience interpreting lending policies and procedures, including state and federal regulations and underwriting guidelines. Advanced experience in financial statement and tax return analysis.
Other Requirements REQUIRES CURRENT NMLS REGISTRATION. Satisfactorily complete all required compliance training and compliance with all laws and regulations that apply based on the scope of this position.
Physical Requirements Primarily sedentary work with limited physical exertion and occasional lifting up to 25 lbs. Must be capable of climbing/descending stairs in an emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6‑8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.
Equal Opportunity Statement BankSouth is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity, disability, or veteran status.
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