Small Business Relationship Manager - Cincinnati, OH

About the role

The Small Business Relationship Manager is responsible for delivering excellent customer service in alignment with U.S. Bank Core Values while providing comprehensive financial solutions to complex small business clients with annual revenues generally between $500K and $2.5 million, typically not exceeding $5 million.

Responsibilities

• Prospect for new small business clients and deepen existing relationships to drive year-over-year revenue growth, loan production, deposits, and broader relationship value.
• Conduct discovery conversations to understand each client’s business, goals, financial needs, credit profile, and growth opportunities.
• Serve as the primary point of contact for small business clients and recommend appropriate solutions across loans, deposits, cash management, and other core banking products.
• Design and structure financial solutions aligned to client objectives, credit standards, portfolio quality expectations, and responsible banking practices.
• Manage portfolio performance and credit quality by monitoring market trends, identifying developing risk indicators, and applying sound underwriting judgment.
• Partner with underwriting, portfolio management, and internal teams to support timely reporting, responsive portfolio management, and effective client outcomes.
• Address client concerns and coordinate across business lines, engaging additional specialists as needed to deliver integrated solutions.
• Build relationships in the community, engage with local organizations, and identify business development opportunities that increase visibility and support community impact.

Requirements

• Expert-level consultative selling, financial analysis, and relationship management skills.
• Advanced business acumen, underwriting expertise, and product knowledge to deliver sophisticated client solutions.
• A strong understanding of banking operations, sales, new business development, customer service and relations, and community relations.
• A professional demeanor and strong working knowledge of applicable lending policies, credit structures, products, services, and regulatory requirements.
• Typically a bachelor’s degree or equivalent work experience and three to four years of experience in relationship banking.

Qualifications

• NMLS registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z, including ongoing compliance with all legal and regulatory registration requirements.
• Compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security, suspicious activity reporting requirements, policies, and procedures.
• Participation in required corporate and business line training in these areas, following account opening procedures, and understanding internal suspicious activity referral requirements and processes as required for the position.

Skills

• Consultative Selling
• Financial Analysis
• Relationship Management
• Business Acumen
• Underwriting Expertise
• Product Knowledge
• Banking Operations
• Sales
• New Business Development
• Customer Service and Relations
• Community Relations

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law