Relationship Manager, Franchise Finance

$165,000 - $190,000/Yr

Smbc - Austin, TX

Full-time - Mid Level

Austin, TX

About the position

The Relationship Manager in Franchise Finance at SMBC is responsible for sourcing and managing a portfolio of franchise accounts, particularly in the Quick Service Restaurant (QSR) sector. This role involves building and maintaining profitable client relationships, collaborating with various teams to provide comprehensive financial solutions, and ensuring the successful execution of transactions within the bank's credit framework.

Responsibilities

• Independently source and manage QSR transactions in top tier brands with annual revenues of $20MM to $500MM.
• Manage a portfolio of existing franchisee accounts comprised of small, medium, and large transactions including syndicated deals.
• Acquire, deepen, and maintain profitable client relationships through sales, prospecting, and enhancing existing relationships through cross-sell.
• Understand and interpret financial and cash flow statements to assess and analyze financial conditions of companies and industry trends.
• Collaborate with Portfolio Managers and analysts in structuring transactions that fit within the Bank's credit appetite.
• Work with Product partners in credit, deposits, and treasury management to design and deliver holistic solutions to clients.
• Pre-screen new deals and add-on requests with Credit Administration and present transactions to the Bank's Capital Allocation Committee for credit approval.
• Review and negotiate loan documents with clients/prospects and secure needed approval from Credit Administration as needed.
• Monitor the portfolio closely, identify weaknesses in credits, and take appropriate credit action to adjust risk rating and develop an exit strategy.
• Assist PM/analysts in keeping portfolio ticklers current.
• Coach and mentor peers as needed.
• Adapt to changes in sales practices and broader market and industry conditions as needed.
• Conduct regular in-person meetings with clients and prospects, and attend trade shows and lender meetings.

Requirements

• Minimum of 7-10 years of experience in Commercial Lending with a focus in Franchise lending.
• Strong knowledge of various QSR/Fast Food brands and familiarity with underwriting guidelines in this specialized cash flow lending vertical.
• Demonstrated ability to successfully manage an extensive portfolio of clients.
• Proven track record of prospecting new business, enhancing existing relationships, and closing profitable transactions.
• Professional proven sales skills and experience, including planning, execution, and follow-up of client meetings.
• Financial modeling experience and completion of formal credit training.

Benefits

• Competitive salary range between $165,000.00 and $190,000.00
• Annual discretionary incentive award
• Comprehensive benefits portfolio