The Relationship Manager is responsible for developing and managing commercial banking relationships to maximize profitability to the bank with acceptable risk; through relationship management, credit management, and business development.
Responsibilities:
Relationship Management
* Manages the largest and most complex relationships that require in depth analysis
* Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions
* Ensures integrity and timeliness of customer information, documentation, and data
* Ensures each relationship is profitable and represents appropriate risk
* Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues
* Mentors junior staff and helps to manage workflow within the team
Credit Management
* For new loan requests, assess borrower creditworthiness in accordance with credit policy
* Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned
* Ensure that loans are documented in accordance with credit approvals
* Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activity
Business Development
* Maintain expert knowledge of commercial banking products & services
* Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities
* Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management
* Provide existing and prospective customers with appropriate financial services and advice
* Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations.
* Maintain a pipeline of business leaders and prospects
Qualifications:
Education Requirements
* Bachelor's degree
Minimum Experience
* Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager
* Minimum 4 years of experience as a relationship manager
* Expert understanding of treasury management services and other banking products
Knowledge/ Skills/ Abilities
* Expert accounting & finance knowledge
* Exceptional technical skills
* Expert knowledge of laws and regulations, and compliance related to commercial lending
* Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value
* Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills
* Ability to work in a team environment and demonstrate flexibility as business dictates
* Ability & willingness to investigate, resolve, and recommend process improvement opportunities
* Ability to effectively plan, manage, and delegate to others
SouthState Bank, N.A.
Jan 24, 2025