BANKSOUTH Hiring for Junior Relationship Manager – Lake Oconee, GA at Greensboro, GA Full Time

JUNIOR RELATIONSHIP MANAGER (BUSINESS BANKING)

Overview:

The Junior Relationship Manager proposes, initiates, and oversees an assigned portfolio of loan and deposit portfolio; assures that lending and deposit activities of the company meet the needs of the customers. The Junior Relationship Manager is primarily focused on building Business Banking 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 business 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 customer’s needs.

Responsibilities:

Loan and Deposit Production:

– Understand customer needs and develop plans to provide a solution

– Identify key staff in client companies to cultivate profitable relationships

– Promote high-quality sales, supply, and customer service processes

– Secure proper authorization on variances

– Manage loan and deposit portfolio

– Achieve expected production goals

– Target Business with annual revenue up to $5 million annually

Loan structure/pricing activities, Including:

– Gain 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 pre-planned and 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 and deposits

– Meet or exceed all credit quality and other underwriting criteria

– Maintain an open, active, and aggressive new loan and deposit pipeline

Experience & Education:

A bachelor’s degree in Business Administration, Finance, Accounting, or related discipline is required.

Three to Five 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:

Satisfactorily complete all required compliance training and compliance with all laws and regulations that apply based on the scope of this position.

People Skills:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, 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, dependable, 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 conduct 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 management’s 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.

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.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Disability insurance
• Employee assistance program
• Employee discount
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Experience level:

• 3 years

Schedule:

• Monday to Friday
• Weekend availability

Supplemental pay types:

• Bonus pay

Travel requirement:

• Up to 50% travel

Work Location: In person