Independent Bank (TX)
Deposit Relationship Manager - Houston, TX
Independent Bank (TX), Houston, Texas, United States, 77246
The Deposit Relationship Manager is responsible for managing commercial banking depository accounts to maximize profitability to the bank with acceptable risk; through relationship management and business development.
Responsibilities:
Relationship Management
Serves as one of the main points of contact between client/retail/treasury management to ensure a seamless process for clients (ex. Coordinate account opening)Manages day-to-day requests from depository clients which can include wire requests, fraud claims, transfers, new account requests, research requests, maintenance requestsWorks the CD Maturity list-notifies clients 2 weeks prior to CD maturity about their CD and offering rates/solutionsWorks the Large Transaction Report and reaches out to the Relationship Managers' clients affectedMay assist with account openings, implementation, working as a liaison between the client and internal bank departmentsMonitors depository accounts tied to loans as collateral for proper setup and administrationPosition will have overdraft decision making authority based on client relationship and evaluation of client account status, position will be responsible to review all factors and make an appropriate decision based on those factorsFollows bank policies and procedures by performing appropriate KYA, KYC and CIP on all accounts, both new and existingWorks all Account and CIF exceptions on a timely basis, to ensure soundness of auditory complianceRuns Verafin/CIP/FIS on new clients and accountsDeliver meaningful, sustainable value to clients by anticipating needs and expectations and providing appropriate value-add solutionsEnsures integrity and timeliness of client information, documentation, and dataEnsures each relationship is profitable and represents appropriate riskBusiness Development
Identifies opportunities for new depository or treasury management business within existing portfolio and through networking with new clientsMaintains basic knowledge of banking products and servicesActively works with Sr Deposit Relationship Manager and Sr Relationship Managers to learn how to increase and perfect business development effortsProvides existing and prospective customers with appropriate financial services and solutionsMay represent the bank in meetings with customers, prospects, industry associations, etc. in order to develop new businessExpands deposit base opportunities to develop book of business over timeQualifications:
Education and Minimum Experience
High School diploma or equivalent general education certificate (GED)Minimum of 7 years of banking experienceMinimum of 3 years of managing depository relationshipsOR
Bachelor's degree preferably in business, accounting, or financeMinimum of 5 years of banking experienceMinimum of 3 years of managing depository relationshipsKnowledge/ Skills/ Abilities
Familiarity with treasury management services and other banking productsStrong customer service skills, including timely follow up and attention to detailMust have a high level of organization and work with a sense of urgencyAbility to form effective relationships with the other departments within the organization in order to deliver the best client serviceGeneral banking knowledgeStrong technical skillsIntermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and OutlookStrong verbal, written, and interpersonal skills, as well as analytic and problem solving skillsAbility to work in a team environment and demonstrate flexibility as business dictatesAbility to work with minimal supervision and make independent decisions related to job responsibilitiesMulti-tasking capabilities in a fast-paced office environmentAbility to meet time sensitive deadlinesAdhere to operational controls to ensure safety and security of customers and banks assets, including legal, corporate and regulatory procedures and policiesGeneral knowledge of laws and regulations, and compliance related to commercial banking
Job Details:
To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.
Responsibilities:
Relationship Management
Serves as one of the main points of contact between client/retail/treasury management to ensure a seamless process for clients (ex. Coordinate account opening)Manages day-to-day requests from depository clients which can include wire requests, fraud claims, transfers, new account requests, research requests, maintenance requestsWorks the CD Maturity list-notifies clients 2 weeks prior to CD maturity about their CD and offering rates/solutionsWorks the Large Transaction Report and reaches out to the Relationship Managers' clients affectedMay assist with account openings, implementation, working as a liaison between the client and internal bank departmentsMonitors depository accounts tied to loans as collateral for proper setup and administrationPosition will have overdraft decision making authority based on client relationship and evaluation of client account status, position will be responsible to review all factors and make an appropriate decision based on those factorsFollows bank policies and procedures by performing appropriate KYA, KYC and CIP on all accounts, both new and existingWorks all Account and CIF exceptions on a timely basis, to ensure soundness of auditory complianceRuns Verafin/CIP/FIS on new clients and accountsDeliver meaningful, sustainable value to clients by anticipating needs and expectations and providing appropriate value-add solutionsEnsures integrity and timeliness of client information, documentation, and dataEnsures each relationship is profitable and represents appropriate riskBusiness Development
Identifies opportunities for new depository or treasury management business within existing portfolio and through networking with new clientsMaintains basic knowledge of banking products and servicesActively works with Sr Deposit Relationship Manager and Sr Relationship Managers to learn how to increase and perfect business development effortsProvides existing and prospective customers with appropriate financial services and solutionsMay represent the bank in meetings with customers, prospects, industry associations, etc. in order to develop new businessExpands deposit base opportunities to develop book of business over timeQualifications:
Education and Minimum Experience
High School diploma or equivalent general education certificate (GED)Minimum of 7 years of banking experienceMinimum of 3 years of managing depository relationshipsOR
Bachelor's degree preferably in business, accounting, or financeMinimum of 5 years of banking experienceMinimum of 3 years of managing depository relationshipsKnowledge/ Skills/ Abilities
Familiarity with treasury management services and other banking productsStrong customer service skills, including timely follow up and attention to detailMust have a high level of organization and work with a sense of urgencyAbility to form effective relationships with the other departments within the organization in order to deliver the best client serviceGeneral banking knowledgeStrong technical skillsIntermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and OutlookStrong verbal, written, and interpersonal skills, as well as analytic and problem solving skillsAbility to work in a team environment and demonstrate flexibility as business dictatesAbility to work with minimal supervision and make independent decisions related to job responsibilitiesMulti-tasking capabilities in a fast-paced office environmentAbility to meet time sensitive deadlinesAdhere to operational controls to ensure safety and security of customers and banks assets, including legal, corporate and regulatory procedures and policiesGeneral knowledge of laws and regulations, and compliance related to commercial banking
Job Details:
To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.