Job Description

Overview:

The Relationship Manager proposes, initiates, and oversees all loan and deposit programs provided by the company; assures that lending and deposit activities of the company meet the needs of the customers. The Relationship Manager is primarily focused on building Commercial Lending relationships in the assigned market by active networking, establishing relationships with new business prospects, and growing existing customer relationships. Ensures compliance with all organizational policy and regulatory requirements and administers them to minimize risk to the organization. Assigns projects and commercial loan packages to the Lending Assistant and Portfolio Manager. Recommends other services such as treasury products, merchant services, and consumer banking products based as applicable to the customers needs.

Foundational Responsibilities:

The following duties are considered foundational responsibilities for which base compensation is paid:

Loan renewals Loan modifications Administrative extensions (tasks to be shared with Portfolio Managers) Community Involvement (ie. serve on the board of a local non-profit, seat on the Chamber of Commerce, etc.) Relationship management Answering customer questions regarding deposits, loans, digital banking Completion of credit memos, deal structuring, pricing, movement/process on loans to get them through to completion Covenants Review and assembly of data for an annual review of the relationship

Functional Responsibilities

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, Including:

Proactive, offensive knowledge of what the competition Is offering Continuous monitoring and forecasting of fee goals and budgets Respond to customer requests/opportunities timely and 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:

A bachelors 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, internally or externally, is a key component of the job, requiring a significant level of expertise, credibility, influence, and trust. Proficiency in developing and delivering material presentations on complex topics can be important to fulfilling the responsibilities of the position. Has experience interpreting lending policies and procedures, including State and Federal lending regulations as well as underwriting guidelines. Is an experienced negotiator. Has experience originating loan policies. Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Mastered knowledge of commercial, construction, real estate and consumer loan processing and loan operations.

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.

Interpersonal Skills:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.

Physical Requirements:

Perform primarily sedentary work with limited physical exertion and occasional lifting of 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.

Working Conditions:

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

Mental and/or Emotional Requirements:

Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.

Scope:

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Nothing in this job description restricts managements right to assign or reassign duties and responsibilities at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.


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.