Relationship Manager II

POSITION TITLE: Relationship Manager (RM) II

DIVISION: Cass Commercial Bank (CCB)

REPORTS TO: Senior Vice President, Commercial Team Lead

FUNCTION:

The RM is responsible for building comprehensive financial relationships with existing and prospective clients by combining a thorough knowledge of the client's operations, condition, leadership, growth plans and economic/market trends, with personal experience to recommend appropriate financial services (loans, deposit accounts and treasury services). Working closely with a Portfolio Manager (PM), the RM is responsible for analysis of a client's or prospect's financial condition to determine the risk of credit extensions and for recommending credit structures to mitigate risks. The RM leads presentations to CCB leadership to obtain loan approval and to the Executive Loan Committee for review. Working closely with the Treasury Management Sales Representative (TMSR) and the Financial Services Representative (FSR), the RM recommends deposit accounts and treasury services to support the client's cash management needs.

PRINCIPAL RESPONSIBILITIES AND DUTIES:

The Relationship Manager is the primary point of contact for all clients where credit may be extended. As part of a team that includes a PM, TMSR and FSR, the RM solicits new client accounts and expands existing client relationships by building comprehensive financial relationships including:

1. Working with clients and prospects to determine the general creditworthiness of the client/prospect (including understanding its needs, abilities, capacity, leadership, and growth plans) and the merits of the specific loan request.
2. Maintaining a thorough knowledge of local market and economic trends to identify acceptable risks that fit within the bank's policy.
3. Independently or together with the PM, analyzes all available financial information, growth/development plans, economic and market trends, leadership (including background checks), and guarantors to recommend an appropriate loan and overall capital structure, deposit accounts, and treasury services that meet the client's need and are within with bank policy. This includes assisting with or completing appropriate underwriting and analysis, specific to the SRRM's assigned industry role, and coordinating the loan approval process with the Credit Department using the bank's electronic credit system.
4. Secures sufficient collateral and appropriate documentation in accordance with regulatory requirements and bank policy to appropriately collateralize and secure the bank's risk position.
5. Manages credit exposure within the hold limits based on loan grade and participates over hold exposure to other financial institutions.
6. Leads presentations to CCB leadership and Executive Loan Committee that include an outline of the financial analysis, capital structure, interest rates, loan grade, strengths and weaknesses and a recommendation.
7. Coordinates the loan documentation process, via the bank's electronic credit system, by gathering/uploading all organization documents, relevant personal information, and additional information (title work, etc.) for use by loan services department. Prepares on-boarding forms (LDS) as needed.
8. Together with the PM, reviews existing credit relationships to ensure compliance with terms of the Loan Agreement and to recognize and act on any developing trends. Reviews loan quality through statement/appropriate analysis, based on entity or project type, including a comparison of operating ratios to industry standards (where appropriate), cashflow, and collateral analysis. Recommend loan grade changes when appropriate. Where necessary, recommend loans for placement on the Loan Monitor List.
9. Assesses risks associated with construction lending, including proper loan structure. Insures adequate safeguards for the construction process to protect the bank against construction risks including adequacy of overall funding to complete the project, disbursing procedures that mitigate lien risks, and tracking of construction costs against budget. Maintains frequent communication with owner, contractor and title representatives to facilitate project success.
10. Creates detailed records and reports of activities by timely entering information into the bank's CRM system (Salesforce).
11. Calls on existing clients periodically to maintain the quality of account relationship and assure needs are being met; introduces clients to other departments where a service can be rendered and tracks activity in the CRM system.
12. Networks in various groups to source new relationship opportunities; maintains a consistent calling effort on prospective clients to be top of mind when an opportunity occurs. Tracks activity in the CRM system.
13. Makes overdraft decisions on all assigned accounts and on non-borrowing clients.
14. Performs additional responsibilities, as required or assigned.

SKILLS AND ABILITIES REQUIRED:

1. Strong, well-developed interpersonal skills to maximize contacts and develop a working relationship with potential and existing clients.
2. A high level of analytical and collaborative skills to conduct analysis and monitor the client's financial condition, market trends, credit/interest rates, economic conditions, and other factors.
3. Effective communication skills including excellent listening skills and the ability to communicate professionally with all levels of an organization both verbally and in writing.
4. Advanced knowledge of loan documentation, as well as a general knowledge of participations and other complex documentation structures; where appropriate, a general knowledge of underwriting and construction lending techniques for income producing real estate and working knowledge of construction loan administration.
5. Ability to work independently with a moderate level of guidance and oversight.
6. Ability to travel as required.

APPLICATION PROCESS:

You can directly apply through Cass's website at https://www.cassinfo.com/careers. Please apply directly to this position via the "Apply" button. You will be required to create an account and provide your resume, contact information and other pertinent employment information. This process typically takes 20 minutes or less. Should we find that you meet the minimum requirement of the position, a member of our recruiting team will be in touch to start the interview process.

ABOUT CASS COMMERCIAL BANK:

Founded in 1906, Cass Commercial Bank provides sophisticated financial exchange services to its parent company as well as its clients and consistently ranks among the top performing banks in the United States. Cass Commercial Bank, the wholly owned banking subsidiary of Cass, has provided banking products to faith-based and other non-profit entities since 1994. It has more than 250 faith-based and non-profit clients across the United States and has funded more than $1 billion of church expansion projects.

ABOUT CASS INFORMATON SYSTEMS, INC:

Cass Information Systems, Inc. is a leading provider of integrated information and payment management solutions. Cass enables enterprises to achieve visibility, control and efficiency in their supply chains, communications networks, facilities and other operations. Disbursing over $90 billion annually on behalf of clients, and with total assets in excess of $2.5 billion, Cass is uniquely supported by Cass Commercial Bank. Founded in 1906 and a wholly owned subsidiary, Cass Commercial Bank provides sophisticated financial exchange services to the parent organization and its clients. Cass is part of the Russell 2000®. More information is available at www.cassinfo.com.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)