Specialty Relationship Manager III

On site in Nashville, TN or Brentwood, TN.

Develops new customer prospects and business with corporate healthcare companies, and manages a portfolio of corporate healthcare clients. Makes and services a wide variety of healthcare business to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality.

Key Responsibilities

Maintains a client portfolio for the bank

Expand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bank

Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bank

Work with Management to recognize client needs and match the bank's capabilities to meet these needs

Maintain a thorough knowledge of bank's lending policies and regulatory requirements

Provide mentoring and training to other bank associates

Maintain proper house‑holding of relationships

Continually upload financial information and client detail into central repository throughout the underwriting process.

Gather financials for new and renewal opportunities with clients.

Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting process.

Work directly with the underwriter to ensure accurate reflection of financials and to ensure accurate preparation of Loss Given Default, Probability of default and Risk Adjusted Return on Capital models at time of new/renew requests.

Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter

CRM and Under Writer work together to appropriately ensure accuracy of underwriting package

Finalize term sheets to meet client and bank needs

Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team

Builds and maintains a portfolio mix of targeted high value and high potential clients.

Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value.

Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer. Create/Prepare Commitment Letter with Management supervision

Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed

Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions

Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy

Performs all other duties as assigned

Qualifications

Bachelor (4‑year college) degree; Masters degree preferred

6‑8 years of experience or an equivalent combination of education and experience

Experience with Microsoft Outlook, Word, and Excel

Benefits

Medical with wellness incentives, dental, and vision

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

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