Full-Time

Associate Relationship Manager II

Posted on 11/1/2025

Frost

Frost

1,001-5,000 employees

Texas-based bank offering banking, investments, insurance

No salary listed

Austin, TX, USA

In Person

Category
Finance & Banking (1)
Required Skills
Financial analysis
Requirements
  • 1+ years experience as a financial analyst
  • Bachelor's degree in Business, preferably Accounting or Finance
  • Minimum GPA 3.0
  • At least 6 hours of Accounting, or equivalent graduate level Accounting coursework
  • Self-starter
  • Ability to communicate with all levels of personnel
  • Excellent written and verbal communication skills
  • Ability to work in a team environment
  • Proficient in Microsoft computer applications
Responsibilities
  • Review loan documentation prior to closing and make appropriate parties aware of deficiencies and/or problems
  • Act as the primary resource for an ARM I
  • Review credit facilities (e.g., loans, lines of credit, etc.) where appropriate, ensuring compliance with bank policy
  • Champion Frost’s philosophy and core values in the work you do by caring for your clients, having a willingness to do more than you’re asked because it’s the right thing to do, and doing so with excellence
  • Become familiar with your clients and their business to understand and act on their needs
  • Always taking action using Integrity, Caring, and Excellence to achieve all-win outcomes
Desired Qualifications
  • Undergraduate or graduate course work emphasizing financial statement analysis
  • 9+ hours of Accounting, including Intermediate Accounting I, or equivalent graduate level Accounting

Frost provides banking, investments, and insurance services to individuals and businesses in Texas. Its products include deposit accounts, loans, asset management, and various insurance offerings delivered through branches, digital channels, and a knowledgeable staff. Frost emphasizes a long local history (founded in 1868) and a Texas-focused approach, aiming to deliver personalized service and lasting relationships, as reflected in its JD Power recognition for customer satisfaction. Its goal is to help people and businesses improve their lives through reliable financial solutions and a supportive, people-first workplace for its employees.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Antonio, Texas

Founded

1973

Simplify Jobs

Simplify's Take

What believers are saying

  • Branch expansion to 10-12 locations through 2026 drives $2.9B loans, $3.6B deposits.
  • Strong profitability: ROE 15.15%, EPS beat four consecutive quarters, dividend raised 3%.
  • Analyst consensus projects EPS growth to $9.93 by FY2028, implying 12-13% upside.

What critics are saying

  • Q1 2026 revenue missed $585.8M estimate by 1.9%; net interest income fell 4.4% short.
  • Expected 125 basis point Fed rate cut Q4 2026 compresses net interest margin significantly.
  • Revenue growth slowed to 7% annualized versus 11.5% five-year CAGR; deposit growth lags loans.

What makes Frost unique

  • Texas-focused regional bank with $53 billion assets and 11% five-year revenue CAGR.
  • Added 1,000+ commercial clients four consecutive quarters; consumer loan growth surged 19% YoY.
  • Net interest margin expanded to 3.74% Q1 2026 via lower-cost deposit funding strategy.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Vacation

Tuition Reimbursement

Wellness Program

Referral Bonus Program

Training Programs

Professional Development Budget

Company News

National Today
Apr 9th, 2026
Oak Thistle LLC Acquires $1.83 Million Stake in Cullen/Frost Bankers - San Antonio Today

Oak Thistle LLC, an institutional investor, acquired a new stake in Cullen/Frost Bankers, Inc. (NYSE:CFR) during the fourth quarter of 2025. The firm purchased 14,485 shares of the bank's stock, valued at approximately $1.83 million.

PR Newswire
Jan 30th, 2026
Cullen/Frost Bankers adds two directors to board as Avery retires

Cullen/Frost Bankers has elected two new directors to its board: Marsha M. Shields and Jeff Rummel. The San Antonio-based bank, with $53 billion in assets, also announced that Chris Avery will retire from the board when his term expires in April after serving since 2015. Shields is CEO and managing partner of McCombs Enterprises, overseeing the Red McCombs family's businesses including automotive, energy and family partnerships. She previously served on Clear Channel Outdoor Holdings' board. Rummel served as managing partner of Ernst & Young's San Antonio office from 2020-25 and spent over 37 years at the firm in various leadership roles, including as lead audit partner for publicly traded financial services companies. Founded in 1868, Cullen/Frost is one of the 50 largest US banks by assets.

Yahoo Finance
Jan 29th, 2026
Frost Bank reports Q4 revenue of $581M, up 8.3% year-on-year, meeting expectations

Cullen/Frost Bankers, which operates Texas-based Frost Bank, reported fourth-quarter revenue of $580.9 million, meeting Wall Street expectations and marking 8.3% year-on-year growth. GAAP profit of $2.56 per share beat analyst estimates by 3.8%. However, net interest income of $448.7 million missed expectations by 2.9%, falling short of the $462.1 million analysts predicted. Net interest margin came in at 3.7%, matching estimates. The company, founded in 1868, has achieved 11% annualised revenue growth over five years, though recent performance shows slowing momentum with 6.1% growth over the past two years. Net interest income comprises 76.8% of total revenue. Chairman and CEO Phil Green said the bank carries "great momentum" into 2026 whilst executing strategic growth initiatives. Frost Bank's market capitalisation stands at $8.64 billion.

GlobeNewswire
Oct 13th, 2025
Epsilon Announces New and Revised Senior Secured Reserve-Based Revolving Credit Facility

HOUSTON, Oct. 13, 2025 (GLOBE NEWSWIRE) -- Epsilon Energy Ltd. (“Epsilon” or the “Company”) (NASDAQ: EPSN) today reported the closing of a new and...

TradingView
Jul 7th, 2025
First Financial Bankshares On June 30, Renews Revolving Credit Line With Frost Bank

First Financial Bankshares Inc NASDAQ:FFIN:

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