Associate Relationship Manager

About Us:

Established in March of 2008, Third Coast Bank is a publicly traded commercial bank, building a middle market focused corporate banking platform to seek sound growth and to increase long term shareholder value. TCB is seeking qualified experienced candidates to support our corporate banking platform. Our bank's success depends upon our ability to attract and retain people committed to teamwork, continuous improvement, and exemplary customer service.

Third Coast Bank is an equal opportunity employer and does not discriminate against applicants or employees based on race, color, gender, age, religion, national origin, genetic information, or disability.

Position Summary:

This is a banking officer position in corporate banking responsible for building and retaining profitable middle market customer relationships. Position supports the corporate banking team with prospecting, client acquisition, and ongoing relationship management.

Skills and Experience:

• 3+ years of commercial underwriting experience in middle market/corporate banking
• Completed a Formal Credit Training program
• Portfolio management
• Able to identify risks inherent in complex loan transactions and address/mitigate accordingly
• Possess an extensive knowledge of various loan structures and formulate sound credit recommendations
• Present credit proposals through the credit approval chain with limited supervision
• Develop prospect lists, marketing plans, and loan proposals (“pitch books”)
• Possess a proficient knowledge of credit policy, banking regulations, and loan documentation issues
• Understand and work effectively within the credit culture of the company
• Demonstrate excellent mathematical, reading comprehension and writing skills
• Must have excellent interpersonal and communication skills
• Must be able to verbally communicate effectively one-to-one and in groups
• Must be able to write clearly and effectively
• Must be able to develop and maintain cohesive, cooperative internal and external working relationships
• Must have good personal organization and time management skills
• Must allocate time effectively and independently prioritize workload to meet timelines
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Support corporate banking team in managing existing and developing new client relationships (assisting with day-to-day needs, contact meetings, and site visits)
• Assist in deal qualification assessment and have the ability to recommend appropriate loan structures
• Proactively identify and communicate customer needs and provide solutions-based feedback
• Prepare opportunity memos/preliminary prescreens for presentation to credit partners for early loan vetting
• Complete due diligence on new/existing client proposals, to include client visits, analysis of business models, and comprehensive review of industry trends and related regulations
• Preparation of pricing and return analysis for deal qualification
• Assist with loan document prep, review, and post approval modifications
• Coordinate with loan operations to ensure accuracy of loan MIS and other systems of record reporting
• Partner with team on portfolio monitoring activities (covenant compliance verification, risk rating migration, past-dues, exceptions, coming-due maturities, etc.)
• Assist in developing and documenting industry “white papers” and underwriting guidelines
• Assist in training, mentoring and coaching junior underwriters
• Special projects as needed

Education and Experience:

• Bachelor’s degree in Business, Finance, Accounting, or related field
• Formal credit training with 3+ years of direct underwriting experience in Middle Market
• Ability to respond to common inquiries from internal clients, regulatory agencies, and employees
• Advanced knowledge of related state/federal banking compliance regulations, and other Bank operational policies
• Intermediate skills in computer terminal and personal computer operation, including use of word, excel, office
• Advanced math skills
• Effective verbal, written and interpersonal communication skills
• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations
• Effective organizational and time management skills

Position Type:

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

Direct Reports:

None.

Travel:

Some travel between Third Coast Bank SSB offices may be required.

Work Environment:

This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers.

Physical Demands:

This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.

Mental Demands:

The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.