Relationship Manager (Business Banking) jobs in Temple, TX

JOB TITLE: Jr. Relationship Manager – Business Banker

DEPARTMENT: Lending

LOCATION: Granger, Texas

REPORTS TO: Chief Credit Officer

ABOUT US:

Granger National Bank (the “Bank”) is the oldest banking establishment in Granger, Texas; founded in 1920 and chartered over 104-years ago. The Bank’s current building was erected shortly thereafter in 1924. Granger National Bank has endured through multiple economic cycles, including the 1929 stock market crash and the ensuing depression of the early thirties. Successful decades passed and the Bank celebrated its centennial year in 2020. Locally owned and operated, Granger National Bank is a full-service, FDIC insured bank focused on commercial lending, with certain agricultural and consumer lending solutions as well.

SUMMARY:

Granger National Bank is looking for an energetic and motivated candidate to join our growing Business Banking team in our Granger office. As a part of the Business Banking team, this position is responsible for developing new business and managing existing lending, deposit, and other commercial banking relationships in the middle market segment. The candidate will be responsible for developing new relationships with small-to-medium-sized business customers, to sell Bank products and services, including deposits, loans, and cash management services.

Necessary skills include the ability to effectively understand the business needs of customers, partnering with other team members to deliver an outstanding customer experience, proposing products and services that meet customers' needs, conducting financial statement and cash flow analysis, structuring credit facilities, reviewing loan documentation, and handling collection of commercial loans to protect and manage the Bank’s assets.

An ideal candidate will enjoy networking, relationship building, and portfolio management.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

• Develop new small and midsized C&I relationships with lending and deposit needs through self-directed sales efforts and collaboration with other team members.
• Generate and sustain a pipeline of prospective commercial relationships by meeting with business owners, controllers, CFOs, attorneys, CPAs, and other centers of influence.
• Be active in the community and represent the Bank at various trade functions.
• Cross sell cash management and other products and services to achieve Bank goals.
• Effectively collaborate with credit analysts and others in the credit approval chain to grow the business banking portfolio and maintain good asset quality.
• Compile credit approval packages and present written and verbal presentations to Bank’s credit committee.
• Respond to customer needs, resolve problems, and coordinate solutions with other departments of the Bank.
• Monitor existing portfolio, including managing overdrafts, past dues, monthly borrowing bases, and problem loans, to adequately protect the Bank and limit loan policy exceptions.
• Work with other internal departments to successfully complete the sales cycle.
• Possess strong ethics and be in alignment with all applicable banking laws and regulations.
• Interact with Bank CEO and other senior management team members to continually recommend new/better ways to generate new commercial accounts.
• Ability to work through complex problems and provide solutions as needed.

DESIRED SKILLS AND ABILITIES

• Knowledge of business lending, especially lines of credit, equipment financing, and owner-occupied real estate, along with a strong understanding of financial statement and cash flow analysis.
• Strong credit skills with an understanding of financial ratios, loan covenants, and loan policy.
• Ability to work both independently and collaboratively in a team as required.
• Excellent communication (oral and written), including the ability to negotiate terms and conditions with prospective customers.
• Knowledge of SBA financing (7a and 504) a plus.
• Understanding of cash management products and services.
• Strong computer skills, including Microsoft Excel, Word, PowerPoint, and Outlook.
• Outstanding organizational skills, problem solving abilities, and time management skills.
• Ability to provide customers with courteous, friendly service, which exceeds their expectations while processing transactions promptly, efficiently, and accurately.
• Expectation that 50% of time will be spent actively pursuing opportunities outside the branch.

QUALIFICATIONS

• Required: 2 to 4 years of business banking experience or equivalent.
• Bachelor’s degree or higher.

TO APPLY:

Please send resumes to kim@grangernationalbank.com

Job Type: Full-time

Pay: $50,000.00 - $75,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Supplemental pay types:

• Bonus opportunities
• Commission pay

Ability to Relocate:

• Granger, TX 76530: Relocate before starting work (Required)

Work Location: In person