Relationship Manager - Icon Business Bank

JOB DESCRIPTION

JOB TITLE: Relationship Manager

OFFICER TITLE: Based on experience.

DEPARTMENT: Sales

FLSA: Exempt

REPORTS TO: Commerical Banking President

EFFECTIVE DATE: 8/16/2024

SUMMARY The Relationship Manager is responsible for negotiating, underwriting and coordinating the closing of consumer, equipment, SBA, commercial building and business loans in compliance with the Bank’s lending policies and procedures. The Relationship Manager is expected to develop business checking and deposit relationships with customers and promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.  This position of is responsible for developing and expanding relationships with business owners in the community to help them meet their financial goals while simultaneously helping the bank meet its financial goals.

Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations. Assists in assurance of satisfactory internal and external audit and exam results.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Achieve or exceed assigned goals in order to make an impact by contributing to the growth of the bank through the acquisition of deposits, commercial loans, and fee income.
• Leverage your network to engage with local business owners and companies to develop business deposit and lending opportunities.
• Interview prospective applicants and request specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
• Achieves individual and team revenue goals by striving to develop new key clients (deposit and loan) through referrals and calling efforts.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to Senior Management for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; and recommends approval to their supervisor.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the target market.
• Reviews NSF and overdraft reports for customers assigned within the relationship manager's portfolio; approves or declines such exceptions within established lending limits.
• Manages loan portfolio and the tickler items.
• Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Participates in various internal committees as assigned by senior management.
• Responds to inquiries or refers inquiries to the appropriate department or person and exhibiting the necessary follow through with customers and/or staff involved.
• Consistently applies superior decision-making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits.
• Assumes responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel.
• Processes, solves and answers complex customer transactions, problems or inquiries.
• Be part of a collaborative team with various bank partners to support and deepen the full client relationship.
• Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.

SUPERVISORY RESPONSIBILITIES

• This job has no supervisory responsibilities.
  

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals’ ability to perform the essential functions.

EDUCATION/EXPERIENCE

• Bachelor's degree from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• 2+ years of banking or similar experience.
• Comprehensive knowledge of related state and federal banking compliance regulations, Bank policies and procedures, the Bank’s products and services, activities, and terminology.
• Ability to interact with all levels of the Bank.

LANGUAGE ABILITY

Read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Write routine reports and correspondence. Speak effectively before groups of customers or employees.

MATHEMATICAL ABILITY

Add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Compute rate, ratio and percent, and draw and interpret bar graphs.

REASONING ABILITY

Apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Deal with problems involving several concrete variables in standardized situations.

COMPUTER SKILLS

Required: Microsoft Office Suite (Outlook, Word, Excel, etc.).  Ability to navigate within the core and general ledger systems: Silverlake, Synergy, AvidAscend. Adobe (ability to modify, merge, extract and other PDF functions).

CERTIFICATES/LICENSES

As needed for completion of job requirements.

COMMITMENT TO COMPLIANCE

The Board of Directors and Management of the Bank are committed to maintaining an effective compliance management by fostering a positive environment for compliance throughout the Bank and facilitating a corporate culture which encourages ethical conduct and compliance with Federal and State regulatory requirements, including demonstrating clear and unequivocal compliance expectations for all employees.  Employees shall be accountable for performance of compliance duties of their own work and shall maintain a working knowledge of policies and procedures to ensure compliance with all applicable consumer protection laws, rules and regulations governing the Bank, specifically, how they apply to their respective position(s) and/or areas of responsibility. 

• In compliance with the Bank’s Ethics and Code of Conduct Policy, employees are required to report to management any activities that are deemed non-compliant for its reporting to the appropriate board-level committee.
• Employee shall also complete (with passing score and before the due date) required training (such as ABA and IT Security training).
• As “satisfactory” results of internal and external audits and exams are critical to the success of the bank; it is the expectation that all bank employees contribute to supporting those results within their assigned scope of work and responsibilities.
  
  

In accordance with the Bank’s Bank Secrecy Act, Anti-Money Laundering and OFAC (BSA/AML/OFAC) Compliance Programs and applicable implementing regulations, Employee shall maintain basic knowledge of said laws, rules and regulations and shall be accountable for ensuring BSA/AML/OFAC compliance in connection with their position and duties of responsibilities including required training.

CORE COMPETENCIES

• Diversity - Shows respect and sensitivity for cultural differences. Promotes a harassment-free environment.
• Ethics - Treats people with respect. Keeps commitments. Inspires the trust of others. Works with integrity and ethically. Upholds organizational values.
• Judgement - Displays willingness to make decisions. Exhibits sound and accurate judgment. Supports and explains reasoning for decisions. Includes appropriate people in decision-making process. Understands business implications of decisions. Makes timely decisions.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations. Listens and gets clarification. Responds well to questions. Demonstrates group presentation skills. Participates in meetings.
• Problem Solving - Identifies and resolves problems in a timely manner. Gathers and analyzes information skillfully. Develops alternative solutions. Works well in group problem solving situations. Uses reason even when dealing with emotional topics.
• Professionalism - Approaches others in a tactful manner. Reacts well under pressure. Treats others with respect and consideration regardless of their status or position. Accepts responsibility for own actions. Follows through on commitments.
• Customer Service - Responds promptly to client and other department needs. Responds to requests for service and assistance. Meets commitments.
• Dependability - Follows instructions and responds to management direction; Takes responsibility for own actions. Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.
  

PHYSICAL DEMANDS, WORK ENVIRONMENT, SAFETY AND SECURITY

• Occasionally required to stand.
• Occasionally and in some cases frequently required to walk.
• Frequently required to sit.
• Continually required to utilize hand and finger dexterity.
• Frequently and at times continually required to talk or hear.
• While performing the duties of this job, the noise level in the work environment is usually moderate.
• The employee may occasionally lift and /or move more than 25 pounds.
• Specific vision abilities required by this job include close vision and distance vision.
• Observes safety and security procedures. Determines appropriate action beyond guidelines.
• Reports potentially unsafe conditions.
• Uses equipment and materials properly.

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The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals to perform the essential functions.

ICON Business Bank is an Equal Opportunity Employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.  EEO IS THE LAW. ICON Business Bank invites any employee and/or applicant to review the Company’s Affirmative Action Plan available for inspection upon request by emailing Human Resources.  If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact Human Resources at HR@iconbusinessbank.com.