Job details

Franchise Restaurant Division Relationship Manager

PRINCIPAL RESPONSIBILITIES AND DUTIES:
The Relationship Manager is the primary point of contact for all franchise clients where credit may be extended. The RM leads presentations to Cass Commercial Bank 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. 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:

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.

Maintaining a thorough knowledge of local market and economic trends to identify acceptable risks that fit within the bank’s policy.

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.

Secures sufficient collateral and appropriate documentation in accordance with regulatory requirements and bank policy to appropriately collateralize and secure the bank’s risk position.

Manages credit exposure within the hold limits based on loan grade and participates over hold exposure to other financial institutions.

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.

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.

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.

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.

Creates detailed records and reports of activities by timely entering information into the bank’s CRM system (Salesforce).

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.

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.

Makes overdraft decisions on all assigned accounts and on non-borrowing clients.

Performs additional responsibilities, as required or assigned.

SKILLS AND ABILITIES REQUIRED:

Strong, well-developed interpersonal skills to maximize contacts and develop a working relationship with potential and existing clients.

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.

Effective communication skills including excellent listening skills and the ability to communicate professionally with all levels of an organization both verbally and in writing.

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.

Ability to work independently with a moderate level of guidance and oversight.

Ability to travel as required.

MINIMUM LEVEL OF PREPARATION AND TRAINING NORMALLY REQUIRED:

A technical level of knowledge normally acquired through completion of a bachelor’s degree level program in business administration, finance or related area or equivalent experience.

Minimum 5 years of commercial lending experience.

Cass Information Systems Glassdoor Company Review

3.5

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No rating

CEO of Cass Information Systems

Eric H. Brunngraber

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By Cass Information Systems

Our corporate purpose is to create value for our stakeholders (clients, employees, shareholders and community) by providing best-in-class financial, payment, and information management services and by ensuring a strong foundation for future growth...

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FUNDING

Public

INDUSTRY

Financial Transaction Processing

TEAM SIZE

1001-5000

LOCATION

Hybrid, based in Saint Louis, MO

DATE POSTED