Daily Routine of an RM

A day in the life of a Relationship manager, in the mornings the RM sorts multiple overdrafts due to timing lags between cash outflows and inflows resulting from the cleaning house process. It is common for relationship managers to serve multiple client overdrafts. It is usually up to the relationship manager to take action and address these, for instance, whether is there an expected resolution, when and how, what causes the timing issue, and so on.
The relationship manager needs to inform the client if the bank is willing to approve the overdraft or if they will return the payment.


The remaining of the day is usually spent on catching up with client correspondence and sending these requests to the appropriate parties at the bank. If there are any transactions under review, it will be going back and forth with the analyst and the adjudicator to keep the process moving along.
If there's an actual funding or loan advance that client, their legal team the bank fulfillment officer, and any other important stakeholders involved in the transactions.
On non-funding days, it's common for a relationship manager to take clients out for opportunities to support their growth. If a Relationship manager isn't dining with a client they may be eating instead with influencers like accountants or lawyers, trying to keep a plus on the local market or trying to leverage these relating into new business.
Offsite engagements, they check up on equipment and projects that are being financed by the commercial institution. or networking events or seminars, sporting activities like golf or cycling are used to that clients and to attract prospects too.