Job Title: Relationship Manager
Reports To: Varies
Direct Reports: N/A
Salary Grade:
SUMMARY
Provide lending functions in compliance with financial institution policies and procedures.
Develop customer relationships to include all deposit products and credit services.
Support all company lines of business with referrals and sales opportunities.
Relationship Manager Levels: Relationship Manager levels I–IV are determined by existing guidelines
EDUCATION AND EXPERIENCE REQUIREMENTS
High School diploma or equivalent
Bachelor’s degree in business, finance, or related area preferred
Experience in a financial institution preferred
Basic understanding and knowledge of financial institution’s products and services
Knowledge of consumer credit structuring, lending practices and customer relationship management
Interpersonal skills to positively serve customers in various circumstances
Good analytical and communication skills
Proven leadership ability
Must have a sharp business development focus
Proficient in Microsoft Office programs
Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
JOB FUNCTIONS
Be familiar with bank products and services and look for opportunities to develop new customer relationships and strengthen existing customer relationships using United’s need-based sales approach
Interview consumer loan applicants and request specified information for loan applications
Accept loan applications
Notify applicant of loan decision
Order credit reports
Recommend and outline loan terms
Review, analyze and process consumer lending requests, package consumer loans as necessary in keeping with financial institution policies and procedures
Work past dues
Work loan exceptions
Do criticized asset report
Develop and maintain interest rate structure consistent with bank policies
Use independent judgment and discretion based on assigned lending authority
Stay abreast of current and developing regulations as applicable to the lending function
Provide efficient, accurate and high quality service while maintaining good customer relations
Correspond with customer, applicants, or creditors to resolve questions regarding application information
Support others through mentoring and attending sales and other developmental meetings
Attend and serve in community functions, boards, committees as necessary
Other duties as assigned
SUPERVISORY RESPONSIBILITY
This position does not manage employees
WORK ENVIRONMENT
Location within United Footprint
POSITION TYPE
This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.
TRAVEL
This position requires up to 10% travel.
OTHER
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee.
Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
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