Relationship Manager - American Credit Acceptance

The Relationship Manager (RM) is responsible for managing a portfolio of commercial relationships who require asset-based lending facilities and other services to meet their needs. RMs develop credibility and demonstrate the ability to dialogue with a variety of client contacts including business owners, CFOs, Controllers and other client contacts regarding topics such as the auto finance industry, capital structures, and general business issues. RMs understand their client’s business fully, serve as an advocate for the relationship within Spartan and act as a trusted advisor for their relationships. RMs develop the overall relationship strategy through a thorough analysis of risks, opportunities and impacts to Spartan, and is responsible for leading and coordinating client team members in the execution of loan renewals, increases or modifications.

This role requires the ability to work onsite 5 days a week at  our office in Spartanburg, SC. 

Essential Functions

• Manage and retain profitable client relationships
• Recommend structure, terms and rate changes for loans being underwritten
• Complete client collateral performance and financial analysis on a monthly basis to ensure collateral and financial covenant compliance
• Participate in due diligence meetings with credit underwriting team and assist with loan file review, management interviews and discussion, compliance analysis and financial performance review
• Partner cross-functionally with other teams and departments to ensure client needs are being professionally and efficiently handled
• Maintain and present a professional image both via telephone and in person.
• Perform other tasks as assigned.
• Bilingual (English/Spanish fluent) applicants preferred but not required

Qualifications

• 3+ years of relationship management, sales or financial services experience
• 4-year college degree
• Prior commercial lending or portfolio management a plus
• Must have the ability to handle multiple tasks at once and possess strong customer interaction skills
• Must have the ability to solve problems, digest and apply information, learn new skills, and think critically
• Highly proficient computer skills; specifically, in Microsoft applications.
• Excellent written and spoken communication skills as well as presentation skills
• Able to work in fast-paced, self-directed entrepreneurial environment
• Excellent time management skills, highly energetic, and self-motivated

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment and Physical Demands

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type/Expected Hours of Work

This is a full-time position with a work schedule of Monday-Friday with some weekend work required.

Travel

This position requires travel throughout assigned territory.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.  ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

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