Relationship Manager

Key Responsibilities

• Client Relationship Management: Build and maintain strong, long-term relationships with clients, including individuals, commercial real estate developers, C & I businesses, and high-net-worth clients, to ensure client satisfaction and retention.
• Achieve customer service and sales objectives by counseling customers, explaining bank products and services, and identifying needs.
• Ensure customers’ needs are always met while displaying a genuinely friendly attitude.
• Financial Solutions: Assess clients’ financial needs and recommend appropriate banking products and services, including loans, mortgages, investment products, and deposit accounts.
• Cross-sell Bank products and services.
• Portfolio Growth: Proactively identify commercial real estate and C & I opportunities to expand client relationships through cross-selling and upselling banking products and services.
• Interview applicants for commercial loans.
• Be proficient in all areas of lending.
• Risk Management: Ensure compliance with all regulatory requirements and internal policies while managing client accounts and transactions.
• Business Development: Develop and implement strategies to attract new commercial real estate and C & I clients and grow the bank’s customer base.
• Make appropriate referrals to further the bank mission and profitability.
• Represent the Bank and provide leadership in community activities.
• Financial Analysis: Conduct financial analysis to evaluate clients’ financial health and provide customized solutions to meet their goals.
• Collaboration: Work closely with internal teams, such as credit, wealth management, and commercial banking, to deliver comprehensive solutions to clients.
• Make recommendations to management on product improvements or changes.
• Customer Support: Address client inquiries, resolve issues, and provide ongoing support to ensure a positive banking experience. Provide feedback to staff regarding customer service issues.
• Service customer needs on all bank products, including the most complex services and transactions.
• Using in-depth knowledge of bank data systems, minimize referring customers to another department or individual for resolution.
• Market Awareness: Stay informed about market trends, economic conditions, and competitor offerings to provide clients with relevant and timely advice.
• Loan Management: Screen loan requests for all types of loans. Present requests to management and loan committee when the proposed loan is beyond the departmental lending authority. Recommend loan terms and conditions. Manage large or complex commercial loans, as needed, and counsel loan customers on loan management and beneficial financial strategies.

Requirements

• Education: Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
• Experience: Minimum of 7-10 years of experience in retail and commercial banking.
• Knowledge, Skills and Abilities: Strong interpersonal and excellent communication skills to build trust and rapport with clients. Strong understanding of local market dynamics and customer demographics. In-depth knowledge of banking products, services, and regulations. Excellent analytical and problem-solving skills. Ability to work independently and as part of a team. Proficiency in CRM software and Microsoft Office Suite. Working knowledge of general lending procedures, financial statement analysis, and the credit decision process. Ability to adapt to a flexible work schedule to meet the demands of bank’s hours and promotions. Ability to withstand varying degrees of stress. Ability to travel locally to meet with clients as needed.
• Certifications: Significant training in current banking products and sales.
• Attributes: Client-centric mindset, results-driven, detail-oriented, and adaptable to a fast-paced environment.