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Small Business Relationship Manager 2
Baton Rouge, LA
Job Description
This position is located in Baton Rouge, LA, 70808.
The Small Business Relationship Manager 2 serves small businesses up to $750,000 in Total Credit Exposure (TCE) or $2.5MM in annual sales using a Consultative Relationship Process providing comprehensive financial solutions for customers and prospects. Responsible for originating, growing, servicing, managing, and retaining small business relationships offering a full range of loan, deposit, non-interest income services and referring business and personal financial needs through the appropriate channel.
Required:
- Bachelor's degree in a related business field. Four years of related experience can be substituted for the degree
- 3 - 5 years' experience managing small business relationships to include deposit gathering, loan production and other financial services or related work experience
- Possess an understanding of technical aspects of small business underwriting, loan structure, deposits and a clear understanding of credit and finance
- Excellent verbal and written communication skills
- Self-motivated, takes initiative, creative/innovative problem solver
- Ability to work in a team environment
- Good organizational skills and attention to detail and follow-up
- Ability and desire to deliver World Class Client Service Standards
- Utilize basic computer applications, such as Microsoft Office software products
- Ability to maintain confidentiality and adhere to the institution's privacy policies, regulatory and compliance guidelines
- Ability to travel
Specific Job Functions:
- Originate and service business relationships for small business clients with up to $750,000 in total credit exposure (TCE) or $2.5MM in annual sales revenue. Focus on the importance of the client's relationship to the Bank to improve profitability, growth, and retention
- Manage relationships using channels such as phone, email, social media, and face to face meetings to communicate with clients and prospects
- Proactively contact all small business banking clients to ensure relationships are fully developed with appropriate credit needs, deposit needs and fee-based revenue services. Ensure retail banking needs of business owners and key managers are met by partnering with appropriate internal partners for a World Class Customer Experience
- Be well versed in all Fidelity Bank products and services to ensure relationship building opportunities
- Manage discretionary loan and deposit pricing to ensure appropriate return
- Prospect, cold call, network and develop new business opportunities within Fidelity Bank's footprint
- Manage customer contacts, referrals and pipeline through the Fidelity Bank's pipeline and referral system to ensure the bank's sales process is mastered
- Initiate credit renewal process. Maintain current financial statements for clients with products requiring this process. Use appropriate loan products available to improve efficiencies associated with the portfolio
- Manage portfolio, including problem loan and collection activities, to ensure superior past due and loan loss results
- Responsible for proper documentation and review of accounts along with follow-up and clearing of any exceptions. Be the face of Fidelity Bank in the community and take an appropriate leadership role. Represent Fidelity Bank at various civic and community functions to enhance its image and develop new business and centers of influence. Know and live the Fidelity Mission, Vision, and Values in our community
- Keep abreast of changing business trends that impact the small business segment, translating those trends into business opportunities.
- Complies with regulatory rules and regulations, evidenced through successful completion of training and demonstrated ability.
- Performs other duties as appointed by management.
Fidelity Bank is an Equal Opportunity and Affirmative Action Employer/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
NOLA Lending Group, a division of Fidelity Bank, provides equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran or disabled status.
Job Summary
Company
Start Date
As soon as possible
Employment Term and Type
Regular, Full Time
Required Education
Bachelor's Degree
Required Experience
4+ years
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