Business Relationship Manager I (SA)
- San Antonio, TX
- Permanent
- Full-time
- Develops new commercial banking business prospects in accordance with established business development plan
- Retains and deepens existing customer relationships by providing excellent customer service and developing effective individual business plans
- Responsible for growing a loan portfolio by targeting small and local business and is able to generate between $3MM - $6MM in annual gross production.
- Focuses on building a team and working cohesively with all staff at the banking center.
- Actively contributes to help meet the banking center's goals, as well as individual sales and referral goals by cross-selling and referring customers to bank business partners when more complex financial needs are recognized such as; Commercial Lending, Mortgage, Insurance, Investments, Merchant Services, Wealth Management or Treasury Management
- Structures and presents credit and deposit products and services to the customer with collaboration as needed from other business units
- Negotiates within guidelines as to credit pricing, terms, and structures with an emphasis on closing sales
- Oversees preparation of new and renewal loan packages for approval and facilitation of the credit approval process
- May solicit or take residential mortgage loan applications; may offer or negotiate the terms of residential mortgage loan applications
- Manages the hiring, daily activities, coaching, evaluating and counseling of reporting staff
- Participates in job specific training and other various Bank training programs, as necessary
- Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensures adherence by the respective department personnel
- Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations, and ensures adherence by the respective department personnel
- Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensures adherence by the respective department personnel
- Must be a team player with a Bachelor's degree in business, finance, accounting, or a related discipline
- Must have at least three years' prior experience working as a Credit Analyst for a financial institution
- Advanced industry-sponsored lending and marketing courses are preferred
- Strong business acumen and sound judgment are required in order to accurately assess the creditworthiness of prospects and clients and the probability of successful repayment
- Credit analysis training or sufficient knowledge of credit analysis methods and techniques in order to support loan decisions is necessary
- Must maintain knowledge of the bank's products and services regarding commercial banking pricing and products
- Must stay abreast of effective sales and service practices, and any relevant industry trends or other necessary information
- Attention to detail and the ability to work in a high-pressure environment with frequent interruptions are required in order to accurately perform tasks
- Strong interpersonal and organizational skills are necessary for maintaining effective relationships with employees, customers, and prospective customers, directors, and shareholders
- Good verbal and written communication skills
- Bilingual in English and Spanish is desired
- This position reports directly to the Chief Lending Officer and/or a Market President
- This position may oversee a Lending Specialist