Position Title:
Commercial Relationship Manager
FSLA Status:
Exempt (17F)
Reports to:
CLO, Commercial Lending Manager, or Market President
Location: Austin Westlake
Job Summary: Provides commercial lending activities, in compliance with Southside Bank's policies and procedures. Generates new commercial customer relationships as well as maintains existing commercial customer base.
Benefits:- Medical, Prescription Drugs, Dental, and Vision Insurance
- Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
- 401(k) with a Match
- Basic, Voluntary, and Dependent Life Insurance
- Paid Time Off
- Paid Bank Holidays
- Workplace Wellness Programs
- Employee Assistance Programs
- Tuition Reimbursement
Essential Functions:
- Responsible for commercial customer development.
- Responsible for marketing Bank products and services.
- Responsible for customer deposit and check approval.
- Available to attend weekly Director's Loan Committee meetings and/or monthly Asset/Liability Committee meetings, when requested.
- Responsible for commercial real estate lending.
- Responsible for light consumer lending.
- Responsible for investment and working capital lending.
- Participates in and encourages Bank networking.
- Represents the Bank in public, social, and civic gatherings.
- Remains current on regulations, analysis, and current trends in banking through continuing education classes/seminars.
- Consistent engagement in the community to identify and originate personal mortgages (if licensed and trained) at the branch level.
- If licensed and trained, interviews residential mortgage loan applicants and requests information to complete a thorough loan application.
- Supervises support staff in both their work assignments and performance development (performance appraisals).
- Provides leadership to others through example and sharing of knowledge/skill.
- Maintains positive relationships and promotes efficiency among a group of workers.
- Attends various meetings outside of the Bank (i.e. board meetings, etc.)
- Maintains confidentiality of all sensitive Bank information.
- Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank's mission, CORE Values, and Blue Book culture guide.
- Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
- Participates in proactive team efforts to achieve departmental and company goals.
- Understands and agrees to abide by the policies and procedures established at Southside Bank.
- Responsible for complying with audit policies and procedures as they pertain to this position.
- Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
- Must comply with all applicable laws and regulations.
Additional Functions:- Complies with all safety policies, practices, and procedures. Report all unsafe activities to supervisor and/or Human Resources.
- Performs additional duties, as assigned or directed.
Required Education/Experience:
- Bachelor's degree in finance, business, or another applicable field is preferred.
- Minimum of three to five years of direct lending or credit analyst related experience with a focus on commercial/business relationships.
- Extensive knowledge of the Commercial Banking industry products and services offered.
- Adequately trained and working knowledge of credit and underwriting experience.
- Sales experience and familiar with loan processing and closing procedures.
- Postgraduate banking certificate/training, preferred.
Necessary Skills:
- Vast ability to build and enhance customer relationships in efforts to expand loans and identify other bank products/services suitable for those customers.
- Excellent interpersonal, communication, and business relationship skills.
- Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.
- Ability to write information and respond to questions from groups of managers, clients, customers, and the general public.
- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
- Ability to apply concepts of basic algebra and geometry.
- Ability to define problems; collect data, establish facts, and draw valid conclusions.
- Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
- Proficient personal computer skills including electronic mail, record-keeping, routine database activity, word processing, spreadsheet, graphics, etc.
- Handle multiple projects simultaneously.
- Prioritize, organize and delegate assignments.
Physical Activity/Dexterity:- Manual dexterity sufficient to reach/handle items and work with fingers. Works with fingers and perceives attributes of objects and materials.
Physical Environment Demands:- Must be able to remain in a stationary position 40% of the time.
- The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc.
- Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone.
- Constantly positions self to operate on a computer.
- The person in this position frequently communicates with other people throughout each day. Must be able to exchange accurate information when conversing.
Working Conditions/Environment:- Well-lighted, heated and/or air-conditioned indoor office setting with adequate ventilation.
- Moderate noise (e.g. business office with computers and printers, light traffic).
Work Schedule/Hours:- Monday through Friday; 8:00am - 5:00pm.
- Available for overtime, as needed.
