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- Tasks: Manage loan portfolios and develop client relationships while minimising risk.
- Company: FirstBank, a community-focused bank with a strong presence in Manchester.
- Benefits: Competitive salary, career growth opportunities, and a supportive work environment.
- Why this job: Join a dynamic team and make a real impact in the banking industry.
- Qualifications: Experience in banking or business development; a degree is preferred.
- Other info: Engage with the community and build valuable networks.
The predicted salary is between 36000 - 60000 £ per year.
This position will sit at our Manchester branch.
Position Summary: The Relationship Manager (RM) generates and manages consumer, Corporate & Industrial (C&I) and Commercial Real Estate (CRE) loan and deposit portfolios, fosters a balance between loan production and credit quality, and minimizes risk through adherence to 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 FirstBank’s product offerings with client needs when providing creative solutions.
Responsibilities:
- Manage an active portfolio of consumer, C&I (generally less than $3-5MM), and CRE (generally less than $3-5MM) loan relationships by meeting and exceeding sales goals in deposits, loans, revenue growth, profitability and client acquisition.
- Demonstrate 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.
- Demonstrate product knowledge of deposits, loans, Treasury Management services, Capital Markets and an understanding of economics.
- Monitor new developments in lending, compliance, loan policies and regulations.
- Read, understand and analyze client financial statements in correlation to business operations.
- Manage the full loan process, which includes but is not limited to administrative duties, preparing approval and closing documents, reviewing and monitoring past due loan information, clearing exceptions, resolving loan processing and payment errors, etc.
- Represent FirstBank by participating in Bank and community activities, events and civic organizations; build, expand and maintain business and social networks.
- Provide consistent, distinctive service to all clients when delivering the FirstBank 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.
- Regular and reliable attendance.
- Perform other duties as assigned.
Qualifications:
Education: High school diploma or the equivalent required. Bachelor’s degree preferred.
Experience: Minimum of five years of specific banking or business development experience; in-market experience preferred.
Certifications and Licenses: National Mortgage Licensing System (NMLS) Certification within first year of employment.
Relationship Manager in Manchester employer: First Bank, Inc.
Contact Detail:
First Bank, Inc. Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Relationship Manager in Manchester
✨Tip Number 1
Network like a pro! Get out there and connect with people in the banking industry. Attend local events, join relevant groups, and don’t be shy about reaching out on LinkedIn. The more connections you make, the better your chances of landing that Relationship Manager role.
✨Tip Number 2
Show off your skills! When you get the chance to chat with potential employers, highlight your experience in managing loan portfolios and your knack for building client relationships. Use specific examples to demonstrate how you've exceeded sales goals or improved client satisfaction.
✨Tip Number 3
Research is key! Before any interview, dive deep into the company’s values, products, and recent news. This will not only help you tailor your answers but also show that you're genuinely interested in being part of their team at FirstBank.
✨Tip Number 4
Don’t forget to follow up! After interviews or networking events, shoot a quick thank-you email to express your appreciation. It keeps you on their radar and shows your enthusiasm for the position. And remember, apply through our website for the best chance!
We think you need these skills to ace Relationship Manager in Manchester
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Relationship Manager role. Highlight your experience in managing loan portfolios and your ability to foster client relationships. We want to see how your skills match what we're looking for!
Showcase Your Achievements: Don’t just list your responsibilities; showcase your achievements! Use numbers and examples to demonstrate how you’ve exceeded sales goals or improved client satisfaction. This helps us see the impact you've made in previous roles.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background makes you a perfect fit. We love seeing genuine enthusiasm for the position and our company.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss any important updates from us!
How to prepare for a job interview at First Bank, Inc.
✨Know Your Numbers
As a Relationship Manager, you'll need to demonstrate your understanding of financial metrics. Brush up on key figures related to consumer, C&I, and CRE loans. Be ready to discuss how you've managed portfolios in the past and how you achieved sales goals.
✨Showcase Your Relationship Skills
This role is all about building and maintaining relationships. Prepare examples of how you've successfully developed client relationships in previous roles. Highlight your situational awareness and ability to identify client needs and industry trends.
✨Understand the Compliance Landscape
Familiarise yourself with the latest lending regulations and compliance requirements. Be prepared to discuss how you ensure adherence to bank policies and how you manage risk in your loan processes.
✨Be Community-Focused
FirstBank values community involvement. Think of ways you've engaged with local organisations or events in the past. Share your ideas on how you can represent FirstBank in the community and expand its network.
