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Rockbridge Search & Recruitment 28/09/2020

Assistant Relationship Manager

Ref #: 607808600595533
Location: 83702
2020-12-28
Salary: $75k-$90k
Sector: Banking
Type: Permanent

Located in Boise, Idaho. The Associate Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.

What you’ll do:
  • Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
  • Investigate, interpret and analyze credit reports
  • Develop key discussion points and questions to assist in analyzing loan opportunities
  • Support the Relationship Managers (RMs) and Loan Administrators to close loans
  • Spread and analyze financial statements and information to evaluate existing and projected company cash flow
  • Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
  • Review independent appraisal and collateral exam reports
  • Develop list of key information necessary to support the loan approval process
  • Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
  • Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
  • Assist in monitoring loans through timely collection of financial information / tickler management
  • Create and maintain customer files within defined bank standards
  • Attend customer meetings and provide written summary in underwriting and evaluating risk
  • Connect with loan applicants to ensure loan packages are complete
  • Participate in Credit Training to remain current on standards and expectations
  • Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc.
  • Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM
  • Support collection of past due accounts
  • Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
  • Assist with customer calls and marketing efforts
  • Maintain knowledge of and compliance with banking regulations
Your background:
  • Bachelor’s degree in Business, Accounting, Finance, or related area; or equivalent work experience
  • Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
  • Relevant experience with direct client interaction with businesses providing support related to financial services
What we’d like to see:
  • Experience with financial analysis software such as Moodys and Buker
  • Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
  • Thorough understanding of business cash flow and differing legal business structures
  • Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
  • Basic knowledge of risk analysis, economics, accounting, and finance practice
  • Strong relationship-building skills with demonstrated attributes that support a team-based environment
  • Thorough knowledge of lending policies and procedures preferred
  • Effective oral and written communication and time management skills
  • Basic knowledge of deposit and cash management banking products used by lower middle-market companies
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