Job Details

Apply Now
Title: Relationship Manager
Code: 1470221401
Type: Relationship Manager
Status: Full Time
Location: Visalia - Visalia
Description:

POSITION SUMMARY

 

The Relationship Manager develops and manages relationships with commercial clients in assigned business segments and/or geographic areas.  Presents a variety of product solutions to meet client needs.  Provides responsive, quality service.  Approves transactions within delegated authority.  Manages overall relationship profitability and portfolio risk.

 

MAJOR RESPONSIBILITIES

 

  • Prepares a relationship plan and calling schedule for each client or prospective client in conjunction with strategic business development program.  Identifies business opportunities by learning prospect’s business, company or industry and their needs.
  • Calls on existing or prospective clients.  Discusses and promotes all Bank products and services to establish total client Bank relationships and makes appropriate referrals.  Brings in product specialists, as necessary, to help problem solve or structure a transaction.
  • Negotiates transactions, prices products within targeted rate of return, documents and closes transactions.  Exercises sound credit and risk judgment in approving transactions.  Recommends approval when transaction size exceeds authority limits.  Ensures quality of all Bank business.
  • Interfaces with other Bank units as necessary.  Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction.  Resolves all client needs and any internal issues.
  • Monitors and analyzes relationship plan results and account activities.  Determines client profitability.  Makes recommendations regarding accounts to be further developed or eliminated.  Prepares various reports for management.
  • Monitors portfolio for quality, risk and adherence to policy.  Works with appropriate staff to resolve issues.
  • Maintains an awareness of competitive products, practices, rates and changes in market areas.
  • Analyzes problem credits and meets with clients to develop solutions to minimize lost exposure.

 

OTHER RESPONSIBILITIES

 

  • Serves as a product specialist and a technical consultant to clients in various business segments and geographic locations.  Develops and conducts client and employee training sessions and informal updates.
  • Provides individual personal banking services to clients.
  • Participates in civic and community affairs as appropriate.
  • Maintains a current understanding of and complies with Bank procedures and policies, including regulatory compliance issues relating to lending that include but are not limited to, Home Mortgage Disclosure Act (HMDA) Reg B, Fair Lending, Bank Secrecy Act (BSA)/CIP/Office of Foreign Asset Control (OFAC) and Community Reinvestment Act.

 

TriCo Bancshares and Tri Counties Bank are headquartered in Chico, California. From a single bank on a tree-lined street in Chico 38 years ago, Tri Counties Bank has grown to 61 branches serving communities from Bakersfield to the Oregon border, from the Sierra Nevada to the wild north coast, with assets over $2.5 billion.

 

Tri Counties Bank offers financial services and provides a diversified line of products and services to consumers and businesses, which include demand, savings and time deposits, consumer finance, online banking, mortgage lending, and commercial banking throughout its market area. It operates a network of 67 ATMs and provides a 24-hour, seven days automated Customer Service Department. Brokerage services are provided at the Bank’s office by the Bank’s association with Raymond James Financial, Inc.

 

How has Tri Counties remained strong and profitable? A top-down commitment to responsible lending and sound business practices. Plus a dedication to service, convenience, and technology, including online and mobile banking, supermarket branches open seven days a week, and a 24-hour automated Customer Service Department.

 

But we know that our success is really based on our presence in the towns and cities we serve. We’ve always treated customers the way we want to be treated. Which makes sense, because we live here too. You may recognize us at baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams. The personal touch comes naturally to us.

 

Tri Counties Bank is an equal opportunity employer of women, minorities, protected veterans, and individuals with disabilities.

Prerequisites:

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED

 

  • High school diploma or GED required, undergraduate degree preferred. 
  • 3 to 5 years of increasingly responsible positions in commercial lending.
  • Exceptional knowledge of commercial credit policies and procedures.
  • Advanced credit analysis and accounting skills.
  • Proven track record of success in a sales environment.
  • Excellent verbal and written communication skills.
  • Ability to utilize personal computers and Windows driven programs.
Benefits:

Medical, dental and vision, Prescription Drug, Group Term Life/AD&D, Dependent Life and Supplemental Life Plans, Flex 125 Plans, Long Term Disability, Employee Assistance Plan, 401k Retirement Plan, Employee Stock Ownership Plan, Time Off Plans.