Relationship Manager

The VP, Relationship Manager, is responsible for developing and managing relationships with corporate clients, providing tailored financial solutions, and ensuring the profitability and growth of the corporate banking portfolio. This role involves conducting credit analysis, structuring loans, and collaborating with various internal departments to deliver comprehensive financial services.

Responsibilities

Serve as the main point of contact for business clients, addressing their broad banking needs, including debt and ancillary services (deposits, treasury, derivatives, etc.)

Build and maintain strong relationships with corporate clients, generate new client relationships focused on full‑wallet relationships and agent/lead positions in club syndications, and identify opportunities to cross‑sell the bank’s full suite of products and services.

Be well‑versed in the bank’s product suite to be a trusted advisor both internally and to the client.

Work closely with credit teams and credit portfolio managers to assess risks and contribute to debt structuring, serving as a liaison between origination, the client, and credit partners.

Partner and collaborate with credit portfolio managers, and loan monitoring, to manage a portfolio of corporate middle‑market clients, ensuring consistent communication, timely support, and proactive management of accounts.

Monitor client profitability, portfolio growth, and risk exposure with relationship team, product, and credit partners to align with bank objectives and client expectations.

Work with relationship team and internal partners to address client issues promptly, whether it’s a service problem, a financial solution that needs adjusting, or an operational concern.

Ensure that all client activities are compliant with banking regulations, internal policies, and risk management procedures.

Serve as the conduit to the relationship team, working with various internal teams such as treasury, operations, credit underwriters, credit portfolio managers, loan monitoring and other product specialists to ensure comprehensive client service, credit quality, and profitable client relationships.

Focus on maintaining and deepening existing relationships by ensuring high levels of satisfaction with the bank’s products and services.

Serve as a liaison between credit portfolio managers, monitoring, and client‑related regular account reviews.

Stay updated with industry trends to identify potential growth opportunities or risks across the commercial portfolio.

Expand the team’s thought leadership in targeted industries and markets, understand the client’s business operations, challenges, and goals to assist the relationship team and provide tailored financial advice and solutions.

Act as the client’s advocate within the bank, ensuring their needs and goals are represented in internal discussions.

Skills and Experience

10+ years’ work experience related to various aspects of middle market and corporate banking.

Must be able to identify risks inherent in complex loan transactions and address/mitigate accordingly.

Manage moderately large and more complex relationships (credits, deposits, and fee‑based products/services).

Experience reviewing and negotiating loan documents.

Performs, initiates, and partners with credit portfolio managers on account/loan maintenance as required.

Acts as liaison for customer inquiries, issues account instructions, redirects questions and requests as necessary when issues involve other departments.

Ensures accuracy of information, data, and documentation for all portfolio accounts.

Actively participates in customer meetings to further the relationship and expand business opportunities.

Good mathematical, reading comprehension and writing skills.

Excellent interpersonal and communication skills.

Effective verbal and written communication in one‑to‑one and group settings.

Develops and maintains cohesive, cooperative internal and external working relationships.

Good personal organization and time management skills.

Allocates time effectively and independently prioritizes workload to meet timelines.

Participates in all required compliance training, including Bank Secrecy Act/anti‑money laundering, and in internal and external training programs, online training, meetings, and seminars/conferences.

Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Support the deal team in managing existing and developing new client relationships.

Assist corporate banking team, credit partners, and credit portfolio managers in deal qualification assessment, due diligence, and loan structuring.

Understand complex transactions and related risk (credit, market, operations, legal/compliance, etc.).

Support and collaborate with originators, credit partners, and credit portfolio managers in underwriting complex deal structures through the credit approval process.

Partner with the deal team, credit partners, and credit portfolio managers in reviewing and negotiating loan documents and engaging counsel as needed.

Assist in training and coaching of new team members.

Coordinate with internal partners and participate in internal discussions (credit discussions, screens, new product pitches, etc.).

Ability to work within timelines and complete projects before deadlines.

Position Details
This position is a full‑time, exempt position. Typical work hours are Monday through Friday, 8:00 am to 5:00 pm.

Direct Reports: None

Travel: Some travel between Third Coast Bank offices and to client locations may be required.

#J-18808-Ljbffr