Job Description

DESCRIPTION

The Assistant Relationship Manager is responsible for supporting the Business Relationship Manager consistently grow the portfolio of clients by enhancing the satisfaction of our clients by providing high level customer service through timely and accurate product implementation, coordination and processing. This position is responsible for providing support for a broad range of financial products including but not limited to commercial mortgages, working capital lines of credit, acquisition financing, equipment financing, owner-occupied real estate loans, construction financing, letters of credit, treasury management service and depository services. Familiar with a variety of the banking/financial concepts, practices and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. Ensures excellent internal and external client relations at all times.

RESPONSIBILITIES AND DUTIES:

• Responsible for client satisfaction by assisting clients with day to day banking needs, providing clients with a single point of contact within the bank for their loan needs.
• Ensure client receives an update or satisfactory resolution within 24 hours. Act fast.
• Identify client’s needs and cross-sell the full range of bank products and services to new and existing clients. Don’t just sell-solve. Help client’s build their businesses.
• Open Treasury Management products and process all forms for outgoing wires.
• Responsible for reviewing and decisioning accounts on the insufficient funds list.
• Provide assistance to Relationship Manager by gathering all information necessary for credit decisioning on all commercial, real estate and consumer loans.
• Create credit file and scanned information to complete Loan Approval Request and Executive Summary.
• Coordinate ordering appraisals, environmental assessments, surveys, title commitments and attorney prepared documents.
• Responsible for running credit reports, good standing certificates, UCC and Flood searches.
• Work with credit analysts in all stages of the Loan Approval Request and review loan approval, term sheet and/or commitment letter for accuracy.
• Review all loan documents, including attorney prepared documents, to ensure all documentation is as approved.
• Coordinate loan closing and prepare necessary documents for funding.
• Responsible for ensuring that all signed loan documents are scanned into credit file and submitted to loan operations for booking, reviewing credit file in Synergy for quality assurance.
• Process all loan advance or pay down requests, ensuring everything in compliance before processed.
• Ensure that all client services and product processing activities are carried out in accordance with all regulatory, legal and governmental regulations.
• Work with corporate compliance, loan and deposit operations to ensure conformity with bank policies, procedures and Federal and State regulations and laws.
• Assist the Relationship Manager in monitoring the past due loan, exception, collateral and loan covenant reports.
• Attend meetings and training as required to continue development and to enhance knowledge of products, processes and technologies.
• Input Loan Approval Reports (LARs) in the CreditQuest system.
• Adhere to all Bank of San Antonio policies, procedures and regulatory requirements.

Qualifications

Minimum of 5 years of banking experience in preferably in commercial loan documentation. High School Diploma (or GED or High School Equivalence Certificate).

SKILLS:

• Active Listening – Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Speaking – Talking to others to convey information effectively.
• Reading Comprehension – Understanding written sentences and paragraphs in work related documents.
• Mathematics – Using mathematics to solve problems.
• Critical Thinking – Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Coordination/Cooperation – Adjusting actions in relation to other’s actions. Ability to work with co-workers and other staff with tact and courtesy without compromising management.
• Judgment/ Decision Making – Exhibits sound and accurate judgment; Supports and explains reasoning for decision; Makes timely decisions.
• Manage time effectively—Focus on deadlines and prioritization.
• Excellent customer service and sales skills and ability to deal with clients, in varying situations, enthusiastically and professionally.
• Ability to work well in a team environment that promotes inclusiveness and communication among team members with a constructive, respectful attitude.
• Flexibility/Adaptability-Able to deal with constant change, delays, or unexpected events. Highly adaptable, positive, resilient, and open to new ideas. Able to effectively prioritize and juggle multiple concurrent projects.
• Professionalism—Reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.
• Confidentiality—Maintains confidentiality; Sensitive to confidential materials and matters.
• Quality—Demonstrates accuracy and thoroughness.
• Quantity—Completes work in timely manner. Works quickly.
• Innovation—Displays original thinking and creativity. Develops innovative approaches and ideas.
• Motivation—Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles.
• Proficient with various Microsoft applications and Internet based applications.

WORKING CONDITIONS:

Work environment characteristics and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, reasonable mobility in and around the work area is required. The employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Ability to use standard computer, printers, scanners, phone systems and alarm systems is required. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. The employee is not exposed to weather conditions. Normal office environment where there is almost no discomfort due to temperature, dust, noise, or other disagreeable elements. Occasionally need to travel to company and/or client locations for meetings or service needs.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

“We are proud to be an Equal Opportunity Employer.”

“We do not discriminate on the basis of race, religion, color, sex, age, national origin, disability or genetic information.”

“We are an equal opportunity of women, minorities, qualified disabled persons and covered veterans.”