Relationship Manager/Lender

Summary/Objectives: The Relationship Manager I plays a crucial role in providing business services to customers who require credit, deposit, and other financial services. RMIs manage an assigned bank customer portfolio to help customers achieve financial goals. They are responsible for building, developing, and managing new and existing relationships with business clients, delivering financial expertise to foster long-term relationships.  

Essential functions:

Perform credit analysis and underwriting according to First Northern Bank’s policy as needed or directed.  Analyze loan data on new, renewal, and existing loans, including data provided by credit bureaus, other financial institutions, and financial institution files.  Analyze financial reports and tax returns,

Prepares written analyses, which include credit investigation of the borrower and guarantors, economic and market conditions related to the company, industry, and market area, in-depth historical financial analysis, and in-depth analysis of the secondary sources of repayment. 

Service portfolio based on Credit Policy and Procedures.

Navigate new software or templates for credit underwriting and coordinate with other lending staff to ensure consistency and adherence to established policies and procedures.

Evaluating real estate holdings of borrowers through review of appraisal reports, environmental reports, construction plans, permits, and title review, and

Performing pro forma analysis for the subject collateral property to assess the degree of risk involved in issuing and extending credit

Determining whether all ratios and overall risks fall within the Bank’s policy guidelines to recommend credit extension

Remaining informed of financial and market trends in the portfolio and analyzing the impact of those trends on the portfolio

Collateral analysis – ensures the market value of collateral by securing loans through internal or external sources. 

Ratio analysis – compare trend analysis of the business’s historical performance to the industry. 

Review loan documents for compliance and accuracy

Respond to customer inquiries and resolve problems on behalf of the officer

Conducts new loan reviews, facilitates modifications per loan policy, reviews transactions, processes wires, and any third party on transactions (FSA, SBA, USDA, or others)

Demonstrates initiative by proposing ideas for implementation to improve processing efficiency and/or quality and proactively communicates ideas/alternatives, which may enhance and/or resolve operations issues.

Provide support in your capacity to lenders

Request and compile all necessary documents for loan document preparation and filing completion, such as loan titles, flood evaluations, and appraisals.

Order loan documents by the approved credit memorandum

Once the loan is approved, loan documents are requested to originate loan fees

Present loan requests to the branch loan committee and others as needed

Attend closings with borrowers

Gather and organize information needed for generating reports

Provide continuing lending support to clients, including but not limited to monitoring customer accounts and loans, and performing maintenance within policy per borrower’s request

Monitor past-due reports and communicate with the borrowers accordingly

Track the loan coming due report to annually renew lines of credit and extend maturing loans

Provide growth in lending sales by working closely with lending officers

Provides a written analysis and recommendation that includes a list of strengths and weaknesses of credit, including approval, denial, or alternative structure.

Communicating with potential borrowers to collect relevant financial information from the borrower

Assist in the production of monthly, quarterly, and annual department performance reports for senior management

Assist in preparation for the Branch Loan Committee, Senior Loan Committee, external audits, and regulatory examinations

Identify accounts for further review and, if necessary, report any unnoticed delinquent accounts

Manage a loan portfolio according to experience, complexity, and loan type. Size and scope are determined by servicing factors such as documentation exceptions, past-due loan management, problem loan management, and the ability to offer the expected level of customer service.

Lending authority may be delegated upon approval of the Senior Loan Officer/Market President and the Executive team after a training period.

Monitor and collect loans, including liquidation.

Cross-selling, deepening relationships, and acquiring new customers.

Lead generation and deploying sales strategies.

Help to grow the deposit relationships.

Actively participate in customer, community, and public relations activities to increase the bank’s visibility and enhance new business opportunities.

Additional duties as assigned, as they relate to the position.

Competencies:

Knowledge of bank policies, procedures, and regulations

Knowledgeable of core system to process documentation, loans, and accounts.

Attend training on bank/job-related topics.

Detail-oriented

Ability to work both independently and as part of a team

Candidates must be able to relate to clients and coworkers effectively

Candidate must always act professionally

Handling confidential information and maintaining privacy

Proficient in Microsoft Office Suite (Word, Outlook, PowerPoint, and Excel)

Computer savvy: able to learn new software quickly

Self-motivated and persistent in following through and learning quickly

Excellent communication skills – both verbal and written

Problem solver

Independent decision-makers within authority limits

Commitment and continuous demonstration of ethical behavior and willingness to adhere to all company policies and current financial legislation.

Conform to the Bank’s core values, which are:

Exceptional Customer Service- Everyone matters, always.

Family Driven- Ours, yours, we put family first.

Community-Focused- Our communities are the backbone of our business.

Communication- Open, clear, and honest communication is key.

Teamwork- Individuals working together to achieve a common goal.

Education/Qualifications:

A bachelor’s degree in a related field or industry, such as business, finance, accounting, project management, or real estate.

OR

A High School Diploma or equivalent with two years of experience in banking is required. Two years of experience in lending is preferred, but not required, for the right candidate with the motivation and ambition to learn and grow.

AND

A minimum of one year of experience in an RMA or Credit Analyst role is required.

Must have the approval of the Executive team to move into the RMI role

Supervisory:

This position does not have direct supervisory responsibilities and may serve as a mentor for other positions in the organization.

Working Conditions:

Normal office environment.

While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle, and feel objects, reach with hands and arms, and talk or hear. The employee must occasionally lift and/or move up to 25 pounds or more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus

Multitask in an open office environment, where noise from conversations, office machines, and other distractions may be present.

Keep track of assigned tasks

May occasionally be exposed to upset customers during everyday activities or work under stress caused by anxious or impatient customers.

First Northern Bank is committed to equal opportunity for all, regardless of race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or other protected characteristics.  First Northern Bank will make reasonable accommodation for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation imposes an undue hardship on the operation of our business.  If you are interested in applying for an employment opportunity and need reasonable accommodation pursuant to the ADA, please contact us at 307-684-2211.