Role OverviewThe Relationship Manager is a relationship-driven banker responsible for developing, growing, and managing a profitable portfolio of commercial and consumer loan and deposit relationships.
What You Will Do
Develop new loan and deposit relationships, deepen existing relationships, maintain and manage a loan and deposit pipeline, and interview prospective and existing borrowers.
Why It Might Be a Fit
The ideal candidate will have sound credit judgment, portfolio quality, regulatory compliance, and a commitment to hospitality.
Requirements
- Develop new loan and deposit relationships
- Deepen existing relationships
- Maintain and actively manage a loan and deposit pipeline
- Interview prospective and existing borrowers
- Assess creditworthiness, repayment capacity, collateral, and overall relationship risk
- Structure and recommend credit solutions
- Approve loans within assigned lending authority
- Maintain complete, accurate, and timely credit files, loan documentation, financial information, and other required records
- Monitor assigned portfolio for credit quality, past dues, exceptions, maturities, and emerging risks
- Work proactively with delinquent or stressed borrowers
- Maintain current knowledge of Bank products, credit policy, pricing, regulatory requirements, market conditions, and competitive trends
- Protect customer information and maintain confidentiality
- Respond promptly and professionally to customer questions or concerns
- Represent River Bank & Trust professionally in civic, charitable, business, and community activities
- Demonstrate ownership of portfolio growth, profitability, credit quality, customer retention, and overall relationship value
- Consistently identify opportunities to expand deposits, treasury management services, and other fee-generating or relationship-enhancing services
- Build strong internal partnerships and actively participate in the Bank's referral culture
- Maintain disciplined follow-up with prospects and customers and keep pipeline and relationship-management information current
- Exercise sound judgment and escalate credit, compliance, operational, or customer concerns promptly when appropriate
- Deliver a high level of hospitality and responsiveness while maintaining appropriate risk and control standards
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