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Commercial Relationship Manager

Company: American National Bank and Trust Co.
Location: Raleigh
Posted on: June 24, 2022

Job Description:

The Relationship Manager acts as a Relationship Manager and liaison between the customer and other banking specialists. Serves as a primary contact and financial advisor for designated customers; providing financial solutions that address both business and individual needs. Represents the bank in civic, non-profit and community activities. Identifies client needs and offers bank products and services to deepen customer relationships and to attract new prospects.ESSENTIAL FUNCTIONS

  • Independently analyzes, evaluates, structures and negotiates credit requests of a commercial nature.
  • Prepares credit packages and letters of agreement utilizing creativity and flexibility within Bank guidelines to meet or exceed customer expectations.
  • Makes oral and written presentations to Credit Administration and others with recommendations on sale and service issues and appropriate asset quality.
  • Originates, underwrites and services a wide variety of business and professional loans which are complex in nature.
  • Monitors and manages an existing loan portfolio for credit quality and compliance with Bank policy.
  • Maintains ability to identify, balance and mitigate risks.
  • Coordinates an existing deposit portfolio.
  • Maintains a thorough knowledge of all American National Bank products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act; Privacy; Fair Lending; Regulation E; deposit, transaction and loan accounts.
  • Self-development: pursues additional education to improve knowledge as it relates to the position, compliance, and the Bank in general. Acceptable sources of continuing training and education are seminars, Industry conferences, approved e-learning courses, in-house programs, or selected vendor programs.
  • Customer confidentially: never reveal or divulge customer information to anyone outside the Bank.
  • Passion for customer service. Proven sales skills. Passion for employee development. Superior communication skills.
  • Variable Hours Monday-Friday to cover business needs. May be required to work Saturday hours for specific markets. Regularly 40 hours with overtime possible.
  • Must be able to drive and have a current driver's license.PM21

  • Experience selling a variety of banking products and services.
  • Experience establishing rapport and building / maintaining effective relationships.
  • High integrity; able to maintain confidentiality.
  • Customer-service oriented.
  • Good communicator. Strong listening skills to identify client's needs.
  • Good computer skills.
  • Working knowledge of the business climate and competition within your assigned market.
  • Self-starter and proactive Business development attitude.
  • Experience creating effective training materials and relaying key concepts in an engaging way to increase retention and impact.
  • Experience interactively teaching and mentoring new lenders to build their required credit skills.
  • Working knowledge of Microsoft office products.
  • Experience mastering job specific software and hardware components.
  • Must successfully complete required training.PHYSICAL DEMANDS
  • The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • While performing the duties of this Job, the employee is regularly required to stand; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to stop, kneel or crouch. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.
  • The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.EDUCATION AND EXPERIENCE
  • Bachelor's Degree with a concentration in Finance or Business.
  • 2-5 years of experience in Commercial Lending with 5 plus years as a Relationship Manager.The above statements are intended to describe the general nature and level of work performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.American National Bank is an equal opportunity employer. All applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.PI180138044

Keywords: American National Bank and Trust Co., Raleigh , Commercial Relationship Manager, Executive , Raleigh, North Carolina

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