Financial Relationship Manager position is responsible for the identification and
cultivation of customer relationships (new and existing). The position accomplishes this by prospecting
for new leads and opportunities and meeting with the companies/individuals to
determine the best loan, deposit, and cash management products to meet their
needs. The position operates with
limited credit authority.
Essential Duties and Responsibilities
Attending to the needs of present and potential customers seeking
a banking relationship that may involve unsecured funds and/or credit secured by
mortgages or other banking products.
o Interviews applicants to
develop information concerning their business or consumer needs, desires,
repayment ability and earnings to determine the viability of the relationship.
o Obtains and directs the
analysis of all financial data.
o Conducts credit checks and
makes on site visits.
o Takes the banking
relationship through the credit process, deposit process and ancillary bank
Responsible for growth of individual
loan portfolio and achieving loan production goals, deposit goals, and referral
Following current loans to ensure
complete conformity with terms and identification of developing trends.
Responsible for cross selling
activities including Deposit products, cash management referrals and referring
business to any other internal partners.
Performs required outside calling
activity and record it in the Bank’s CRM program.
Providing customers with routine
platform services, such as approving checks for cashing, loan draws, or
addressing customer requests.
Work with Customers to correct/clear loan
exceptions (financial, covenant, collateral, etc.) as needed.
Represent First Guaranty Bank in the
Comply and adhere to First Guaranty Bank’s
policies and procedures.
Other duties and responsibilities as
may be assigned by supervisor.
Minimum Qualifications (Education,
3 years lending experience.
Formal credit training preferred.
Strong sales skills
Strong organizational and communication
High school diploma or equivalent, College
and Work Environment
demands described here are representative of those that must be met by an
employee to successfully perform the essential functions of this position.
Reasonable accommodations may be made to enable individuals with disabilities
to perform the functions.
the duties of this position, the employee is regularly required to talk and
hear. The employee frequently is required to use hands or fingers, handle, or
feel objects, tools or controls. The employee is occasionally required to
stand; walk; sit; reach with hands and arms; climb or balance; and stoop,
kneel, crouch, or crawl.
The employee must
occasionally lift and/or move up to 25 pounds. Specific vision abilities required
by this position include close vision, distance vision, color vision,
peripheral vision, and the ability to adjust focus.
The noise level in
the work environment is usually moderate.
job description in no way states or implies that these are the only duties to
be performed by the employee(s) incumbent in this position. Employees will be required to follow any
other job-related instructions and to perform any other job-related duties
requested by any person authorized to give instructions or assignments.
duties and responsibilities are essential functions and requirements and are
subject to possible modification to reasonably accommodate individuals with
disabilities. To perform this job
successfully, the incumbents will posses the skills aptitudes and abilities to
perform each duty proficiently. Some
requirements may exclude individuals who pose a direct threat or significant
risk to the health or safety of themselves or others. The requirements listed in this document are
the minimum levels of knowledge, skills or abilities.
document does not create an employment contract, implied or otherwise, other
than an “at will” relationship.
FIRST GUARANTY BANK is an EEO employer - M/F/Vets/Disabled