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Altabank · 2 days ago

RELATIONSHIP MANAGER II

St George, UT

Full-time

Onsite

Entry, Mid Level

2+ years exp

Altabank, Division of Glacier Bank, is seeking a Relationship Manager II for their St George branch. The role involves managing a loan portfolio, ensuring compliance with bank policies, and providing exceptional service to internal and external customers while fostering professional relationships.

BankingFinanceFinancial ServicesReal Estate

No H1B

Responsibilities

Originate new loan commitments each year in accordance with the Bank’s incentive compensation plan

Generate and manage a loan portfolio of $15-20 million or higher with the overall objective of maintaining and increasing its asset quality and generating fee income

Manage construction, CRE, SBA, consumer, and C&I loans i.e. ensures compliance with terms and conditions of the loan agreement, collect on past due loans, covenant monitoring, accurate loan grading, and completing other monitoring reports as assigned in a timely manner

Take applications for loan business and analyze the degree of risk involved in making a credit decision

Calls on new and existing customers to expand and develop relationships with an emphasis on attracting new and additional loans, deposits, and other Bank products

Effectively work with a team to prepare and present loans for approval

Process loan renewals and extension requests

Reviews all loan documents for completeness, accuracy, and compliance and clearly reviews the details of the approved loan with the customer

Must produce increasing profitable loan volume, maintain a low delinquency and charge off rate, and ensure that lending operations are in accordance with established Bank policies and procedures

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control

Stays current on all bank policies, procedures, processes, products, and services by participating in various learning activities

Responds in a timely manner to internal audits, and other management reporting requests

Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given, they need to reach out to their supervisor for further clarification or additional training

Adhere to Altabank Core Values

Keeps management appropriately informed of area activities and of any significant problems

Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Altabank

Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel)

Represent Altabank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility, team work, and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required

Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers

Duties can change

Qualification

Loan portfolio managementRisk assessmentLending lawsCRM tools proficiencyBusiness financial analysisManagerial skillsCommunication skillsAdaptability

Required

Two to five years of similar or related experience

A college degree or equivalent combination of education and experience

Must have experience analyzing business financial statements and other pertinent data for assessing risk

Understanding of business entity structures

Must have knowledge of bank products, lending law and compliance requirements

Good computer skills, including the use of CRM tools

Good communication and writing skills

Strong managerial skills

Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization

Employee must be capable of regular, reliable, and timely attendance

Ability to adapt to change (e.g. shifting priorities, demands, and timelines) through time management, analytical, and problem-solving skills

Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions

Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra

Ability to use passive vocabulary of 5,000-6,000 words; read at a slow rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs. Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary