Relationship Manager
SmartBank Associates enjoy an AMAZING benefits package:

• Comprehensive benefits- medical, dental, vision, life, and disability insurance
• Matching 401(k)
• Generous paid time off (PTO)
• SmartFlex Days
• Up to 11 Paid Company Holidays
• Incentive Program
• Mental Health Benefits Including 8 free sessions with a coach or certified professional
• Tuition Reimbursement
• Community Involvement Opportunities
• Company apparel provided at no cost

Our Relationship Managers will be held accountable for:

• Upholding SmartBank Core Values and Core Purpose.
• Developing new customer prospects and business for the financial institution.
• Completing each loan application and all pre-processing functions in a timely manner. Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.
• Screening loan request based on financial institution policies and on types of loans offered by the institution. Orders appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.
• Responsible to monitor overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and SmartBank.
• Evaluating potential customer loan requests and makes loan recommendations to management. Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
• Communicating complex approvals or denials to the borrower. Promotes and participates in the financial institution's special credit programs and other CRA programs.

Ideal candidates for the role will include:

• High School Diploma required.
• Bachelor's degree business, finance or management preferred.
• Minimum of 5 years experience in banking or sales lending field.
• RMA - Credit Risk Certification preferred
• Graduate School of Banking preferred
• TBA Lending Schools - Commercial Lending preferred

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)