Sr Commercial Relationship Manager

Responsibilities

• Develops new and expands existing client relationships by initiating business development activities, proactively reviewing client’s current and changing financial needs, and cross selling products and services.
• Grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develops a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares and oversees the completion of the loan approval requirements including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank.
• Obtains appropriate approval for credit under consideration.
• Recommends and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participates and represents First Financial Bank in various community, civic and professional organizations.
• Refers loans to loan committee for approval.
• Responsible for understanding clients’ financial goals, provide credible advice and recommend products that fit their holistic needs. Intimately understand clients’ business priorities and refer them to other lines of business as appropriate.

Requirements

• Bachelor’s degree.
• Three (3) years of proven relationship/account management experience selling banking products in the appropriate segmentation required.

Skills

• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Well versed in product knowledge.

Qualifications

• Minimum three (3) years of proven relationship/account management experience selling banking products in the appropriate segmentation.
• Strong interpersonal, written and verbal communication and presentation skills.
• Strong organizational skills and ability to handle and prioritize multiple tasks.
• Strong analytical and problem-solving skills.
• Proven track record of generating new business through a consultative sales approach.
• Proven sales and negotiating experience.
• Experience working effectively with individuals and groups in managing customer relationships.
• Strong product knowledge.