Relationship Manager

Position Summary

The Relationship Manager is responsible for developing, managing, and expanding relationships with individuals, families, and businesses within the bank’s local market. This position serves as a trusted financial partner to customers by understanding their financial goals, recommending appropriate banking and lending solutions, and delivering exceptional personal service.

The ideal candidate is a community-minded banking professional who enjoys building long-term relationships, developing new business, and representing the bank in the local community. This role combines relationship management, business development, deposit growth, lending, and customer service.

Essential Responsibilities

• Develop and maintain strong, long-term relationships with consumer, small business, and commercial banking customers.
• Act as a trusted financial advisor by identifying customer needs and recommending appropriate deposit, lending, treasury, cash management, and other financial products and services.
• Proactively identify opportunities to grow loans, deposits, fee income, and overall customer relationships.
• Generate new business through referrals, networking, community involvement, calling efforts, and participation in local organizations and events.
• Manage an assigned portfolio of relationships and regularly conduct customer reviews to identify changing financial needs and additional opportunities.
• Develop a strong understanding of customers’ businesses, industries, financial objectives, and operating needs.
• Work closely with lenders, branch staff, credit administration, operations, and other internal teams to deliver comprehensive solutions to customers.
• Assist with loan origination and relationship development, including gathering financial information, preparing loan requests, and coordinating the lending process as appropriate.
• Monitor existing relationships and identify potential credit, compliance, or servicing concerns.
• Ensure all customer interactions and account activities comply with bank policies, procedures, regulatory requirements, and applicable laws.
• Maintain accurate customer and prospect information within the bank's systems.
• Resolve customer issues promptly and professionally, escalating matters when appropriate.
• Represent the bank positively within the community and actively participate in civic, business, and professional organizations.
• Maintain a high level of knowledge regarding the bank's products, services, policies, and competitive environment.
• Support branch and market goals while maintaining a strong focus on customer experience and relationship quality.

Business Development Expectations

• Build and maintain an active pipeline of prospective customers and business opportunities.
• Make proactive customer and prospect calls on a consistent basis.
• Develop referral relationships with local business owners, professionals, centers of influence, and community organizations.
• Identify opportunities to deepen existing relationships and increase share of wallet.
• Meet or exceed established goals for loan production, deposit growth, new relationships, referrals, and other assigned objectives.
• Stay informed about local economic conditions, businesses, industries, and community developments.
• Cross-sell bank services, treasury management, residential mortgages, and other bank products.

Qualifications

Required:

• High school diploma or equivalent; bachelor's degree in business, finance, accounting, or a related field preferred.
• 3–5 years of banking, financial services, lending, relationship management, or business development experience.
• Demonstrated ability to develop and maintain customer relationships.
• Strong sales, networking, communication, and interpersonal skills.
• Ability to understand financial information and identify customer needs.
• Strong organizational skills and attention to detail.
• Demonstrated commitment to confidentiality, integrity, and ethical business practices.
• Ability to work independently while collaborating effectively with a team.

Preferred:

• Community banking experience.
• Experience with commercial, small business, or consumer lending.
• Existing relationships within the local business and community market.
• Knowledge of deposit products, treasury management, commercial lending, and other banking services.
• Bachelor's degree in finance, business administration, accounting, or a related field.

Success in This Role

Success will be measured not only by financial performance, but also by the quality and longevity of customer relationships. The successful Relationship Manager will become a trusted resource within the community, consistently identify opportunities to help customers achieve their financial goals, and contribute to the bank's growth while maintaining the personalized service that distinguishes a community bank.

Work Environment

This position is primarily performed in a branch or office environment, with regular interaction with customers and prospects both inside and outside the bank. Community and business development activities may require occasional travel within the local market, including attendance at networking events, customer meetings, and community functions.