Sr. Relationship Manager

Summary:

The Senior Relationship Manager focuses on large, complex, marquee Corporate & Industrial (C&I) client relationships, including but not limited to generating and managing loan and deposit portfolios, fostering a balance between loan production and credit quality, and minimizing risk through adherence of established bank policies. Retains, strengthens and develops relationships using situational awareness and the ability to identify client and industry strengths and weaknesses, assesses risk, and matches FB Financial’s product offerings with client needs when providing creative solutions. May lead a Relationship Manager team.

Essential Duties and Responsibilities:

• Manage complex clients who generally have debt needs greater than $3-5MM, revenue greater than $20MM; may involve private equity and/or multiple layers of capital; manage a large number of influential clients within a portfolio.
• Demonstrate advanced credit underwriting and loan documentation skills, complete proper underwriting of loans, and approve within loan authority or in conjunction with Credit Officer.
• Review and monitor asset quality; monitor past due loan information, collateral exceptions, covenant compliance, risk rating and borrowing bases.
• Actively work to develop new business by identifying prospective clients and referral sources for all bank products and services through prospecting and Centers of Influence.
• Provide consultative guidance to Relationship Managers, Financial Center Managers and Market Presidents on C&I relationships.
• Mentor, educate and lead Relationship Managers and Relationship Manager Associates related to the full loan process, including administrative duties, preparing approval and closing documents, assessing credit quality, reading and analyzing financial statements in correlation with business operations, etc.; perform the same as needed.
• May lead a Relationship Manager team and participate in setting goals and expectations for the team and individual team members.
• Demonstrate expert product knowledge of deposits, loans, Treasury Management services, Capital Markets and an understanding of economics.
• Monitor new developments in lending, compliance with loan policies and appropriate regulations; suggest changes in credit policy as appropriate.
• Represent FB Financial by participating in Bank and community activities, events and civic organizations; build, expand and maintain an established network of business and social referral sources, while focusing on larger, more influential prospects.
• Model consistent, distinctive service to all customers when delivering the FB Financial service experience.
• Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.

Education and/or Experience

• Bachelor’s degree
• Minimum seven years of directly related experience, with in-market experience preferred

Skills and Abilities

• Advanced Mathematical Skills - Ability to work with mathematical and algebraic concepts such as probability, statistical inference, forecasting, advanced ratio analysis and underwriting. Ability to apply and analyze concepts such as fractions, percentages, ratios and proportions to practical situations. Ability to apply mathematical operations to such tasks as frequency distribution, determination of test reliability and validity, analysis of variance, and correlation techniques.
• Moderate Computer Skills - Frequent use of electronic mail, word processing, data entry, spreadsheets, graphics, etc. Ability to create, maintain and incorporate simple functions into documents, spreadsheets, databases and presentations to support business objectives.
• Complex Communication - Frequently communicate complex information and interact with management. Can present, resolve and address delicate situations. Can motivate and persuade others.
• Functional Area Independent Judgment - Provide and set goals and priorities for functional area. May make recommendations for location initiatives, practices and programs. Make decisions for and/or resolve problems for others.
• Varied Business Problems - Problems are varied and complex, requiring analysis or interpretation of the situation. Problems are solved using knowledge and skills, general precedents and practices; may collaborate with other operating areas.
• Location-Specific Impact - Decisions impact the management and operations within a location. May contribute to business and operational decisions that affect the location.
• Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information.
• Respectful demeanor toward other associates and managers that promotes a positive and professional work environment.
• Understand and comply with bank policy, laws, regulations as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.