Consumer and Mortgage Lending Relationship Manager
Job Title:Consumer and Mortgage Lending Relationship Manager | Job Code: 527
FLSA Status: _X_ Exempt | ___ Non-Exempt | ___ Part-Time | _X_ Full-Time
EEO Job Category: 1 | Reports to: SVP of Consumer Lending
Job Grade: 18 | Revision Date: 2026
Basic Function: The primary responsibility of the Consumer and Mortgage Lending Relationship Manager is to create relationships with new and existing customers to meet their overall lending needs that are appropriate for their individual situation. They guide borrowers through the financial process, verify credit and assets, and recommend loan products based on client needs.
Essential Duties & Tasks:
- Lead Generation & Client Advising: Cultivate leads, interview prospective borrowers, and match them with appropriate consumer and mortgage loan products.
- Document Processing: Collect and verify sensitive financial documents, including tax returns, pay stubs, and bank statements to satisfy underwriting requirements.
- Pipeline Management: Monitor the loan origination process from application to closing. Maintain communication with underwriters, processors, and third-party appraisers.
- Regulatory Compliance: Adhere to state and federal lending laws, including the SAFE Act and Truth in Lending Act, and maintain NMLS (Nationwide Multi-State Licensing System) registration where required.
- Cross-Selling: Strength client relationships by recommending other bank products, such as wealth management, credit cards, and insurance.
- Additional duties as assigned.
Knowledge, Skills and Abilities:
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Knowledge of banking products and services, including loan and compliance regulations.
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Effective communications skills, oral and written.
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Experienced in the use of appropriate lending software and other computer applications.
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Ability to analyze financial documents.
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Attend ongoing continuing educational opportunities.
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Ability to multi-task and work under pressure constraints and deadlines.
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Excellent organizational skills.
Education, Training, & Experience:
- High School diploma required.
- Preferred bachelor’s degree in business, finance, or accounting.
- 1 to 3 years of banking experience.
- Consumer and mortgage lending experience required.
- Mortgage loan originators must be licensed and register with the NMLS to meet federal SAFE Act requirements.
Physical & Mental Requirements:
- Written comprehension, close vision work, information order, oral expression and comprehension, mathematical reasoning, deductive reasoning.
- Knowledge of computer software.
- Communicating with peers, supervisors, directors and subordinates.
- Analyzing data.
- Ability to sit for long periods of time and meet deadlines with accuracy.
- Organizing, planning and prioritizing work.
Working Environment:
Professional Office Environment, travel to client offices, attorney offices and/or properties. Flexibility to meet customers at all times of the day and week for appointments.
Commercial Relationship Manager
Job Title:Commercial Relationship Manager | Job Code: 512
FLSA Status: _X_ Exempt | ___ Non-Exempt | ___ Part-Time | _X_ Full-Time
EEO Job Category: 1 | Reports to: SVP of Commercial Lending
Job Grade: 21 | Revision Date: 2026
Summary: The position of Commercial Relationship Manager’s primary responsibility is to be involved in both the comprehensive management of existing commercial relationships as well as solicit new business opportunities with assigned customers and targeted prospects to contribute to the bank’s success in reaching sales goals.
Essential Functions:
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Portfolio Management: Nurture existing client accounts to maximize profitability, deepen relationships, and retain business. Experience in loan grading systems with ability to effectively monitor loan relationships of various risk ratings.
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Business Development: Prospect for new corporate clients through cold calling, networking, and external business development functions.
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Credit Analysis & Underwriting: Analyze corporate financial statements, structure complex loan packages, and present deals to credit committees for approval.
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Cross-Selling: Advise business owners on tailored financial solutions, including cash management and corporate lending.
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Risk Management: Ensure all accounts comply with banking regulations, Know Your Customer requirements, and internal credit policies.
Additional Responsibilities:
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Ensuring compliance in BSA, OFCA, Privacy, Information Security, and all other regulations as applicable to the position. Failure to ensure compliance can result in Civil and Criminal Penalties, as well as corrective actions up to and including termination.
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Staying knowledgeable about the bank’s products and services and looking for opportunities to make recommendations to customers based on need.
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Fostering the spirit of teamwork in supporting the bank’s goals and mission statement.
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Responsible for opening and closing of office along with officer Saturday rotation.
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Additional duties as assigned.
Required Education, Experience, and Skills:
- Bachelor’s degree in business, finance, accounting, or economics.
- Requires 2-5 years of commercial banking, corporate lending, or credit analysis experience.
- Completion of a formal bank credit training program is highly preferred.
- Strong financial acumen, negotiation tactics, and the ability to interpret market trends.
- Graduate School of Banking Programs or similar two-to-three-year banking programs preferred.
- Experienced in the use of Microsoft Applications and other computer applications.
- Strong knowledge of full range of commercial products, credit policies, procedures, and terminology.
- Strong time management skills, with ability to appropriately prioritize calling activities and strategies.
- Goal oriented with well-developed sales skills.
- Strong strategic, analytical, and problem-solving skills.
- Experienced at structuring credit requests.
- Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities.
- Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills.
- Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and core values.
- Current satisfactory registration of the NMLS registry.
Working Environment:
Professional Office Environment, travel to client offices, attorney offices and/or properties. Flexibility to meet customers at all times of the day and week for appointments.
Senior Wealth Management & Trust Advisor
Job Title: Senior Wealth Management & Trust Advisor | Job Code: 802
FLSA Status: _X_ Exempt | ___ Non-Exempt | ___ Part-Time | _X_ Full-Time
EEO Job Category: 1B | Reports to: Director of Wealth Mgmt.
Job Grade: 24 | Revision Date: 2026
Supervisory Responsibility: None
Basic Function: The Wealth Management & Trust Advisor partners with high-net worth clients to identify their financial goals, analyze and develop recommendations that will help them work towards well defined financial objectives. Serve as a trusted advisor with clients, which allows the Wealth Management & Trust Advisor to provide strategic investment advice as well as recommend value-added products and services.
Essential Duties & Tasks:
- Seek new business opportunities to help grow the Wealth Management Department’s portfolio of clients.
- Perform as investment agent or trustee or personal representative on behalf of existing and new clients.
- Maintain existing Wealth Management Relationships by performing tasks required within the scope of that relationship.
- Prospect and develop client relationships for new and additional business among existing and new account Wealth Management opportunities.
- Maintain and foster communications with customers and employees.
- Administering Wealth Management accounts, reviewing investments, placing trades, and making distributions.
- Prepare and gather documentation and reports for various committees.
- Performance of related clerical account administrative duties while maintaining compliance.
- Maintain ongoing education to maintain certifications.
- Research, develop and schedule sales calling schedule while searching for new business opportunities.
- Ensuring compliance in BSA, OFCA, Privacy, Information Security, and all other regulations as applicable to the position.
- Failure to ensure compliance can result in Civil and Criminal Penalties, as well as corrective actions up to and including termination.
- Staying knowledgeable on the bank’s products and services and looking for opportunities to make recommendations to customers based on need.
- Fostering the spirit of teamwork in supporting the bank’s goals and mission statement.
- Attend weekly relationship manager meetings.
- Displays the ability to be highly effective in a team-oriented environment and to build relationships based on added value, not title or authority.
- Supports a proven track record of successfully collaborating with and influencing management and peers to support growth and financial results.
- Actively participates within professional and community organizations.
- Actively networks and effectively builds relationships internally and externally of the Bank.
- Additional duties as assigned.
Knowledge, Skills and Abilities:
- Bachelor’s degree required.
- Graduate degree (JD, MBA) preferred.
- Professional designee (CTFA or similar).
- 5 + years of demonstrated fiduciary client service/sales.
- Advanced knowledge of trust administration, estate planning strategies, and income and estate tax matters.
Physical & Mental Factors/Requirements:
- Hearing, seeing, sitting for long periods, standing, operating a computer.
- Manual dexterity to execute trust and bank documents and files.
- Ability to stay focused and multi-task.
- Ability to meet the pressure of deadlines.
- Ability to communicate on the telephone, write, speak, read, hear and type.
- Ability to work with little direct supervision.
- Ability to perform manual tasks.
- May be required to sit for extended periods of time, paying attention to detail.
- Requires occasional bending, reaching and stretching.
Working Environment:
- Professional Office Environment.
- Some Business Travel is required.