Relationship Manager

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.About UsSmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements - that's the SmartBank way.Our Relationship Managers will be responsible for:Upholding SmartBank Core Values and Core Purpose.Developing new customer prospects and business for the financial institution.Completing each loan application and all pre-processing functions in a timely manner. Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.Screening loan request based on financial institution policies and on types of loans offered by the institution. Orders appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants.Responsible to monitor overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and SmartBank.Evaluating potential customer loan requests and makes loan recommendations to management. Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.Communicating complex approvals or denials to the borrower. Promotes and participates in the financial institution's special credit programs and other CRA programs.Ideal candidates for the role will include:High School Diploma required.Bachelor's degree business, finance or management preferred.Minimum of 5 years experience in banking or sales lending field.RMA - Credit Risk Certification preferredGraduate School of Banking preferredTBA Lending Schools - Commercial Lending preferred