Business Banking Relationship Manager

About the role

The Business Banking Relationship Manager is responsible for developing and maintaining credit and non-credit relationships with clients, meeting established criteria for the Business Banking business line, and maximizing profitability while managing credit risk.

Responsibilities

• Engages in business development activities and solicits new business prospects
• Maintains active prospecting efforts, identifying, qualifying, and calling potential clients
• Investigates and follows up on significant changes in status of existing customers
• Meets with customers to discuss their needs and outline appropriate Bank services
• Solves customer concerns or problems as necessary
• Establishes and negotiates terms under which credit will be extended, including costs, repayment method, and schedule, and collateral requirements
• Develops a deep understanding of non-credit products and leads the engagement with clients and prospects to uncover opportunities and appropriate solutions
• Performs all required portfolio management responsibilities, including monitoring financial reporting requirements and compliance with covenants
• Stays current on compliance training and adheres to the bank's commitment to abide by all Know Your Customer expectations and Bank Secrecy Act regulations
• Maintains a trusted advisor role by maintaining current knowledge on the customers' business and industry
• Participates in networking to increase the Bank's visibility in the business communities served and enhance new business opportunities
• Serves as the primary contact for non-borrowing and borrowing clients for matters relating to other Bank services, including personal, private banking, and wealth management
• Partners closely with SBA Loan Officer's for credits requiring government guarantees
• Counsels with and assists in the training, development, and mentoring of Branch Managers
• Avoids all real or perceived conflicts of interest and maintains client privacy and confidentiality
• Completes special projects assigned by manager

Requirements

• Bachelor’s Degree or approved equivalent in finance, accounting, real estate analysis, or related field
• Completion of courses in finance, accounting, and real estate analysis or equivalent training in commercial banking
• Proven success in growing existing credit and deposit relationships, and winning new relationships
• Possess a good understanding and working knowledge of commercial lending terminology, fundamentals of sound credit underwriting, loan processing, loan documentation, and lending procedures
• Self-motivated and production-oriented with a desire to grow existing relationships and actively pursue business development

Skills

• Negotiating experience
• Strong organizational skills
• Attention to detail
• Success working with clients with diverse banking needs
• Effective verbal and written communication skills
• Proficient with Microsoft Office applications (primarily WORD, PowerPoint, Excel, Teams, Outlook, and Power BI)
• Experience with nCino and Salesforce (desired)

Benefits

• Paid time off for vacation, sick days, and holidays
• Health insurance
• Stock options
• Bonus programs
• 401(k) plan
• Paid Parental Leave
• Life and AD&D insurance
• Long-term disability
• Tuition Reimbursement
• Employee assistance programs
• Pre-tax health and dependent-care spending plans