Commercial/Small Business Relationship Manager

American National's tradition of community banking dates back 114 years to its founding in 1909, growing from a single office to a full-service bank with 26 branches in Virginia and North Carolina today. As in the beginning, we continue to believe being local is more than just having an office in the community. It's about looking out for our customers with better banking options and quick, local decisions. It's about supporting local community organizations and working with local businesses that are so vital to our communities. And more than anything, it's about people - local people who are passionate about serving the needs of the valuable customers and businesses that make each community we serve unique. If you share our passion for helping people and communities thrive, we invite and encourage you to join our team. At AMNB, you will find work that is rewarding in both career advancement opportunities and a generous compensation and benefits package. We look forward to hearing from you.

The Commercial/Small Business Relationship Manager acts as relationship manager and liaison between the customer and other banking specialists. Serves as a primary contact and financial advisor for designated customers; provides financial solutions that address both business and individual needs. Represents the bank in civic, non-profit and community activities. Identifies client needs and offers bank products and services to deepen customer relationships and to attract new prospects.

ESSENTIAL FUNCTIONS

1. Independently analyzes, evaluates, structures and negotiates credit requests of a commercial/small business nature.
2. Prepares credit packages, commitment letters, and term sheets utilizing creativity and flexibility within Bank guidelines to meet or exceed customer expectations.
3. Makes oral and written presentations to Credit Administration and others with recommendations on sale and service issues and appropriate asset quality.
4. Originates, underwrites and services a wide variety of business and professional loans which are complex in nature.
5. Monitors and manages an existing loan portfolio for credit quality and compliance with Bank policy.
6. Maintains ability to identify, balance and mitigate risks.
7. Coordinates an existing deposit portfolio.
8. Maintains a thorough knowledge of all American National Bank products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including, but not limited to: Bank Secrecy Act; Privacy; Fair Lending; Regulation E; deposit, transaction and loan accounts.
9. Other duties as assigned.

ADDITIONAL RESPONSIBILITIES AND JOB DUTIES

1. Self-development: pursues additional education to improve knowledge as it relates to the position, compliance, and the Bank in general. Acceptable sources of continuing training and education are seminars, Industry conferences, approved e-learning courses, in-house programs, or selected vendor programs.
2. Customer confidentially.
3. Passion for customer service. Proven sales skills. Passion for employee development. Superior communication skills.
4. Variable Hours Monday-Friday to cover business needs. May be required to work Saturday hours for specific markets. Regularly 40 hours with overtime possible.
5. Must be able to drive and have a current driver's license.

1. Experience selling a variety of banking products and services.
2. Experience establishing rapport and building / maintaining effective relationships.
3. High integrity; able to maintain confidentiality.
4. Customer-service oriented.
5. Good communicator. Strong listening skills to identify client's needs.
6. Good computer skills.
7. Working knowledge of the business climate and competition within your assigned market.
8. Self-starter and proactive Business development attitude.
9. Experience creating effective training materials and relaying key concepts in an engaging way to increase retention and impact.
10. Experience interactively teaching and mentoring new lenders to build their required credit skills.
11. Working knowledge of Microsoft office products.
12. Experience mastering job specific software and hardware components.
13. Must successfully complete required training.

PHYSICAL DEMANDS

1. The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
2. While performing the duties of this job, the employee is regularly required to stand; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; and talk or hear. The employee is frequently required to navigate the work area. The employee is occasionally required to stop, kneel or crouch. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

EDUCATION AND EXPERIENCE

1. Bachelor's Degree with a concentration in Finance or Business required.
2. 2-5 years of experience in Commercial Lending with 5 plus years as a Relationship Manager required.

The above statements are intended to describe the general nature and level of work performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

At American National Bank, we believe a dynamic workforce is a diverse workforce, and we are proud to be an equal opportunity employer. We welcome all qualified applicants, and do not discriminate based on ethnicity, nationality, race, religion, sexual orientation, age, culture, beliefs, physical ability, or military experience.

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