Association Banking Relationship Mgr

Overview

This role focuses on originating new business, expanding existing client relationships, and managing an assigned lending portfolio to support profitability, credit quality, and growth.

Responsibilities

• Drive business development through acquisition of new clients and expansion of relationships with existing clients.
• Respond quickly and effectively to new business referrals from Senior Management, the branch network, or other areas of the organization.
• Develop and maintain a network of external referral sources / centers of influence (COIs) to attract new clients.
• Maintain, grow, and service assigned portfolios; cross-sell other bank products as appropriate.
• Maintain overall accountability for driving portfolio profitability, quality, and growth.
• Negotiate terms (collateral, covenants, pricing, and other components) of lending agreements with clients/prospects, ensuring credit facilities are structured and priced in line with the organization’s credit policies and lending practices.
• Prepare effective credit approval packages for circulation and present packages to the required level of credit authority.
• Ensure current financial information is obtained, properly analyzed, and retained on file.
• Monitor and report changes in credit quality.
• Take overall responsibility for the loan closing process, attend loan closings, and ensure legal documents reflect all terms as agreed to by the customer/prospect and approved by the organization.
• Verify required documents and signatures are in place to ensure loans are closed properly.

Requirements

Required Skills

• Strong interpersonal, presentation, and written/verbal communication skills.
• Ability to prospect new business and enhance existing relationships.
• Ability to sell and negotiate.
• Ability to review, analyze, and structure commercial loans.
• Ability to cross-sell bank products.
• Ability to attract new business through effective presentations and respond to questions.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation (formal credit training preferred).
• Ability to work independently or as part of a team to achieve departmental goals using sound judgment.
• Proficiency with Microsoft Word, Excel, and Outlook.
• Experience with prospecting/tracking tools such as Salesforce, nCino, or similar systems.
• Familiarity with professional business practices (time management, communication, and appearance).

Required Experience

• High School diploma or GED.
• Minimum of 3 years related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver’s license.

Preferred Qualifications

• Bachelor’s degree in Finance, Accounting, or business-related study and/or formal Commercial Credit training.