The 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
Attend 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.
Interview applicants to develop information
concerning their business or consumer needs, desires, repayment ability and
earnings to determine the viability of the relationship.
Obtain and direct the analysis of all
Conduct credit checks and make on site
Take the banking relationship through
the credit process, deposit process and ancillary bank products process.
Responsible for growth of individual
loan portfolio and achieving loan production goals, deposit goals, and referral
Follow 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.
Perform required outside calling
activity and record it in the Bank’s CRM program.
Provide customers with routine platform
services, such as approving checks for cashing, loan draws, or addressing
Work with Customers to correct/clear
loan exceptions (financial, covenant, collateral, etc.) as needed.
Represent First Guaranty Bank in the
Adhere to BSA/AML policy and all other
Other duties and responsibilities as
may be assigned by supervisor.
Minimum Qualifications (Education,
3 years lending experience. May substitute for related experience at
Formal credit training preferred.
Strong sales skills
Strong organizational and communication
High school diploma or equivalent, college
Demands and Work Environment
physical 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.
performing 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.
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.
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 possess 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,
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