Relationship Manager III - 1st

Job Description

Job Description

Location: Cincinnati, OH
Employment Type: 1st Shift, Full-time, Direct hire

Job Brief
Kable Workforce Solutions is hiring a Relationship Manager III for our client. This job is responsible for developing and expanding commercial client relationships, growing and managing a profitable loan and deposit portfolio, analyzing financial data to assess creditworthiness, underwriting and structuring credit solutions, negotiating loan terms, monitoring portfolio credit quality, cross-selling banking products and services, and representing the bank in the community while driving new business through a consultative sales approach.

What’s a Typical Day Like?

• The RM III position will generally be located in a market hub or other high business potential area.
• Develops new and expands existing client relationships by participating in business development activities, proactively reviewing client’s current and changing financial needs, and promoting products and services.
• Aggressively grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develop a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data. Analyzes personal and financial data to deepen current, profitable client relationships.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares or oversees the completion of the loan approval form. including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtains appropriate approval for credit under consideration.
• Establishes and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for the credit quality which includes past due credits, non performing and credit exceptions of their active portfolio.
• Actively participates and represents company in various community, civic and professional organizations.
• Monitors the performance of the borrower over the life of the loan. Be able to recognize developing problems and bringing them to the attention of management. For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy.
• Refers loans to loan committee for approval.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Generally handles loan relationships with aggregate exposure between $5M and $25M and portfolios between $50M and $150M.

What Are the Requirements of the Job?

• 5+ years of relationship/account management experience selling banking products in the appropriate segmentation required.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Generating new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Undergraduate degree required; Accounting or Finance preferred.
• Credit training, credit quality and underwriting fundamentals experience; including financial analysis required.
• Occasionally lifts and carries up to 20 lbs
• Frequently lifts and carries up to 10 lbs
• Frequently sits, stands and drives
• Ability to work in fast-paced environment.
• Ability to reach, grasp, hold, push, pull, bend, twist, squat, climb, kneel.
• Ability to utilize hand/eye coordination.
• Capability to stand for prolonged periods of time

How to Apply And Next Steps?
Please submit your resume in our application by clicking “apply now.” We look forward to reviewing your application and you will hear from us within 1 business day.

About Kable Workforce Solutions
For over 50 years, Kable Workforce Solutions has been connecting skilled professionals with leading employers across the region. We’re dedicated to helping people build lasting careers and helping companies grow through quality, integrity, and partnership.

We believe in people first — empowering individuals to succeed and celebrating the work that drives our communities forward.

Kable Workforce Solutions is proud to be an equal opportunity employer. We welcome and value diversity and are committed to creating an inclusive workplace where everyone can thrive. Read our full diversity statement here.

This job description is not intended to be all-inclusive, and the employee will also perform other reasonably related business duties as assigned by the immediate supervisor and other management as required.