Business Banker/Relationship Manager

Key Responsibilities

• Develop and maintain a portfolio of business banking relationships.
• Develop and expand the existing business portfolio of Ridgewood Savings Bank.
• Identify and pursue new business opportunities through networking, referrals, community involvement, and prospecting activities.
• Meet or exceed established goals for loan production, deposit growth, and fee income.
• Represent the bank at community events, business organizations, and networking functions.

Relationship Management

• Serve as the primary point of contact for new and existing business clients.
• Conduct regular client meetings to understand financial needs and recommend appropriate banking solutions.
• Deepen client relationships by cross-selling products and services, including business checking, savings, treasury management, merchant services, and lending products.
• Maintain strong client retention through proactive relationship management and exceptional service.

Credit and Lending

• Work with Credit and Lending department to facilitate new client loan needs.
• Manage and monitor an assigned portfolio of small business relationships.
• Conduct annual site visitations and ongoing risk assessments.
• Ensure portfolio performance meets bank standards for profitability and asset quality.

Compliance and Risk Management

• Adhere to all banking regulations, policies, and procedures.
• Maintain knowledge of applicable federal and state banking laws.
• Ensure compliance with Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Know Your Customer (KYC) requirements.
• Complete required compliance and risk management training.

Qualifications

• Education: Associates degree in Business, Finance, Accounting, Economics, or a related field preferred but not required. Equivalent banking experience may be considered in lieu of formal education.
• Experience: 3 + years of experience in business banking, or relationship management. Experience working with small business and commercial clients preferred.
• Demonstrated success in business development and portfolio growth.
• Knowledge, Skills, And Abilities: Excellent sales, networking, and relationship-building skills. Strong communication, presentation, and negotiation abilities. Knowledge of treasury management and deposit products. Ability to work independently and manage multiple priorities.

Performance Metrics

• Deposit growth
• New business relationships acquired
• Portfolio profitability
• Cross-sell ratio
• Client retention and satisfaction

Working Conditions

• Office-based with frequent client visits and community engagement activities.
• Frequent evening or weekend attendance at networking and community events.
• Local travel required within the bank's market area.

Compensation

• Base salary plus incentive compensation based on achievement of lending, deposit, and relationship growth goals.
• Comprehensive benefits package including health insurance, retirement plan, paid time off, and professional development opportunities.

Reports To:

Director Of Business Banking